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Hiya I would convert the PI loan to IO swith 100 % offset simly because you should be saving the principal in your offset account for later application to a PPOR deposit /loan ta rolf

Do u sing too :) sorry couldnt help that welcome. Down to tin tacks.............what I believe would make the diff for you is simply cash flow....IO take less from your pocket, while the asset appreciates at the same rate. Do u still have a PPOR loan ? ta rolf