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  1. R

    P&I or IO after 5 years?

    Prepare and wait for the equity to increase or make some equity growth I assume the 95 was by necessity and not by choice ? At Rolf
  2. R

    P&I or IO after 5 years?

    Lets hope ur lender allows same, or you can shift to another lender. IO periods and IO extensions arent created equal. One lender tick and flick, another moderate low level renewal, another full app. ta rolf
  3. R

    P&I or IO after 5 years?

    More usually it's because people haven't been shown that io with 100% offset is pi at the borrowers option Ta Rolf
  4. R

    P&I or IO after 5 years?

    IO 4 eva with 100 % offset UNLESS the borrower displays poor money habits in which case accelerated P&I will work better ta rolf
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