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For my situation I had to go with CBA that is 5.3% with offset account. I agree with the other poster that interest money is like rent money. But if your own home you can do what you want with it. Rent and you can't hang a picture up. Gonna have to think about this real hard.

I know this is probably a question for a financial adviser but there are a lot of switched on people here. Would you buy 1 PPOR around the 600k mark (Aspendale gardens, Carrum, Chelsea, Chelsea Heights, Bonbeach) or would you buy 2 IP at around 340k each (thinking Frankston area). Time frame...