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going P&I for your PPOR means you can never turn that into an IP without losing all/a lot of tax deductibility. going P&I for an IP, unless you have fully paid off your PPOR, means paying off the IP when it should be going to the non-deductible debt. whats your strategy here? are you planning...

yep other people have mentioned, the reason to go IO+offset (with minimum deposit,, e.g. maybe 80%, rest in offset) is not that its better for a PPOR that you can guarantee with be a PPOR forever (who really can? unlikely), its to cover you for if/when you want to upgrade or whatever, and turn...