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if you dont keep it as an IP you simply sell the place and pay the mortgage down from the money you have saved in the offset. All the IO offset structure does ( assuming its properly managed with a predictive budget etc) is to future proof ur options. Paying the place down via principal...

clear to mě u dont want to pay it then rather io with offset so that u have better tax position once u turn the place into an ip ta rolf

Simply park the Principal payment and any extra on the offset What will u do with the place in 5 or 10 years time ? ta rolf

Hiya Interesting advice, did the broker ask what youd be doing with the property in the next 5 10 or 15 years ? I suspect not. 90 % of brokers and finance people will give the pay it off advice without having all the soft data to hand. Id say for a start 1. Make the loan IO 2. Attach...