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Thanks for all of that info... And yes it really is not looking like a good thing that they want to keep the loan at 88%...

The excess money I was thinking has to go back into the redraw of IP1. I am with MyRate and they do not have a 100% offset account, only redraw. To be used for more "Investment" down the track. I do not and will not want to "Mix" it up with personal stuff. IP1 loan used to P&I, but with the...

Yes it's me again :confused: OK, you may know that we are selling one of our IP's (Call it 2). This property was Xcolled with our old PPoR that is now also an IP (call it 1). Valuation came back at $330,000 for IP 1, which is good as we have sold IP 2 for less then the loan amount we owe, so...