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My lvr is only 25%, the returns are higher, the interest rate lower (though not with most Australian ripoff margin rates) and in the current environment I consider the downside risk lower in stocks. Plus I've been investing in the stock market since 16 years old but didn't start with property...

My share loans have always been IO, but property always P&I, I prefer to see the.debt on property go down, margin loans I'm more comfortable with.