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Thanks. It was a bit of a newb question. I was able to talk to my broker about the intricacies of this further today. I used them for my PPOR a couple of years ago.

I'm also getting started. A good suggestion on fixed interest at the current low rates to protect cash flow. Most Interest Only loan terms seem to be 3 or 5 years, whether or not they are fixed or variable. What usually happens at the end of the term? Do lenders offer extensions at the end...