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But you will have a PPOR loan. Not planning ahead is going to cost you thousands every year for the next 30+ years so it is worth taking the time to learn a bit more.

A few contradictory statements above so I am not sure what is going on, but it sounds like you have no PPOR debt yet, but are paying down an investment loan. Did you realise that every $100,000 paid off the investment will mean $5000 less in tax deductions? At the same time you will be...