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It's quite easy with hindsight to say things like that. But at the time it was not at all obvious. Even as far back a 2003 there were people saying that the property bull run had ended, and that it was time to get out or property. They were out by four years. To be able to get such good...

It's the purpose of the loan which is important. If I borrow against my house to buy an investment, I can claim the interest against my taxable income. If I borrow against an IP to travel overseas, the interest is not deductible.