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Sunfish, I respect your own strategy and entitlement to your opinion. I am unsure if paying off an investment debt on a P&I basis is a preferable option. Your argument is that there is less benefit, so you shouldn't take advantage of the maximum benefits available. I would argue that...

Agree with Rolf here. IO gives you options. Attaching to an offset account is better as this gives more options down the track. If you are doing well, put more money in your offset / loan. If times get tougher, you can revert back to the interest only amount.