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AMP is a pain in the butt with their requirement of paper work and financial/legal advise, but I think other Lender share same pain. Current variable 6.0%, but fixed 2/3yrs is 5.64% Note if you fixed rate, you cannot use the offset feature unfortunately.

I used a lender with offset, and set up as IO I avoid P&I as I know the principle portion into the loan, I will not get this out under current legislation unless property is sold. Most property would achieve a CF+ve after putting down 20% minimum required deposit. Any surplus (rent minus...