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Hmmm interesting, thanks for the heads up on that Troy :)

My accountant suggested that but I like the idea of having a lump sum payment each year so i can either pay it off my PPOR or invest in other areas.

Well it depends on your situation, I have just bought an IP and after seeing our accountant we have worked out that the tax we get back at the end of the year covers our shortfall in repayments etc, so in essence we have our PPOR and an IP but only paying for the PPOR worked out great I thnk...