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Thank you xcesiv :D

Phew, thanks Rolf, thats good to know. I've switched my PPoR to IO so we can dump everything in offset. I don't mind clunky, and the $500 min is annoying but happy as long as it offsets 100% of the interest. In a few months I'll have enough saved for the first IP. Can't wait :D

What about CBA IO Loan? Does it operate correctly? I may have to change mine ASAP :(