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From tax point of view, i/o will give you full deducatbility when PPOR become IP. This also will help your cashflow to accumulate next property. I give you real case: Example in 2013 you buy property $500k with loan $400k. If you choose P&I, after 5 years the loan will reduce to $350k. Means...

Equip your self with knowledge, learn how to negotiate, market cycle & macro economy, offset & credit card with discipline will keep your money in ur side longer, depreciation, tax advantage, debt recycle, etc. Until 50, you will realise money/saving isn't as important as before. Experience...