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PPOR at the moment but it will become an IP. I'm going to break when a) It's an IP and b) rates rise enough to make the hit worthwhile. I'm only on annually at present, and no equity available, I've just pulled $60k (back up to 90% LVR) for my first IP.

Surprising. I was betting that if another cut came, it'd be in Q3 or Q4 of this year earliest. Given the state of things, I can't imagine more than another .25% drop (unlikely) before an eventul creep up again within 12-18 months. What's everyone else reckon? Great timing as I'm very keen...