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Well I live in Sydney, does that explain the massive mortgage lol??? Mortgage is about $480k, should take about 8 yrs to repay (depending on IRs and pay rises of course)....

We are putting $6k into the mortgage offset account per month, so 1st PPOR will be paid off in 8 years! Like the others though, we are going to buy more IPs, and keep the home loan on IO for as long as we can, so I voted over 20 yeaars too :)