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I think this is good advice.. Paying down debt is always good. I would just remind the clients that there is the possibility of upgrading their home down the track and if this is done they would ideally want to use cash instead of debt as the interest wouldn't be deductible.

You're not part of that gang are you? IO4Life tattoos on their arms - members go around hassling people who have their loans PI. My mate was tackled to the ground by a few of them last week. They said "your change you loans to IO or you are going to pay that mother ****er off in no time!" He...