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Yes, you can have one account as P&I and another as I/O. There may be lenders which aren't consistent with this statement, but generally I think it's accurate (keep in mind people rarely deliberately do this). On the issue of consent, it just occurred to me that the account probably has an...

They probably misinterpreted your request when your brother's loan was switched to interest only. They probably thought you both wanted interest only. Did they give you any paperwork to sign? You would have agreed in writing. Also, is it really a big deal? If you really want to make...