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that is all assuming you dont have the willpower to keep what would otherwise be the principal payments, in an offset and hence paying the same interest anyway (well 0.5% or whatever extra to get offset option) given you'll put what would otherwise be principal payments into the offset. leaves...

dont think it has been mentioned, but if were comparing PI basic variable against IO std variable to get offset, then there will be an extra ~0.5% or whatever being paid p.a. with the IO/offset route over the PI basic variable loan. definately IO/offset advantageous if you're unsure you're...