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I wore a fee 10x that much on a loan of just over $250k. I was stuck, otherwise. Doing so allowed me to purchase 2 x 2 bed apartments in Sydney's inner west (Sept 13, May 14). It was worth it.

Just want to throw some real-life numbers out there for those interested. Previously, CBA had the discretion (in some cases) to assess repayments with other lenders at I/O if that's what you were paying. As of recently, that's no longer possible. They have to be P&I. In my situation, with...