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Thanks for the info Lotana, it's something i didn't realize. Refinancing would be a problem for me because i'm currently unemployed, and doubt i would be able to satify the bank's serviceability requirements. Bundy, that's the main reason why i don't want to negotiate another I.O. period -...

which IP should i get back? From what i've been reading here about X-Coll, it seems i'd be better off trying to get an unencumbered title to one of my IP's? My loan is I.O. and has a discounted rate, which expires next month. The loan will also revert to P&I at the same time. My loan is...