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where is the 'like' button??? :)

Thanks guys. My broker is also a qualified financial planner thus I consider his views more seriously. I am.hesitant to take up too much loans but his suggestion makes a lot sense.

Good reading. My broker thinks it's better that we hold more cash by using a IO against PPOR. At the moment, my PPOR is IO loan only with quite a bit of money in offset which ensures my interest payment is low. I now want to build a granny flat and my broker thinks i should get a IO...