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Hi Sunil if the loan is variable then IO will allow you to pay off as much as you want at your option, or usually smarter, plae the principal repayment in the offset instead ta rolf'

Hiya Sunil id suggest speaking with a broker that posts on this forum There are at least these by user name Bradsdad, Kristine, Peter T, and some others. Have a brief chat with some of them and then choose ONE that you feel comfy with to go further and run you through your options...