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Hiya jazza Thats a good back up plan if we are replacing like for like debt. Should not be relied upon perhaps as a strategy ? Some would argue that an apportionment of the previous personal debt should be applied to the new IP secured loan, thats more of an acctant question though. ta...

Offset for the reasons already mentioned. Even if you have no plans for a PPOR to IP conversion. You dont plan to crash the car, but most of us wear the seatbely anyway ! There wouldnt be many products why a redraw would be better in terms of other things like rate etc, unless the loan...