I am still struggling with good debt VS good night's rest if the market were to come down?
Like Hong Kong, Tokyo, and USA?
But you'd be better off parking those funds in an offset. If you need to access the funds again for private purposes, you lose deductibility if you've paid down the loan. When talking about $20K, not a big deal, but if the numbers get big and you want to buy a bigger PPOR (for example), it can hurt.I too like to reduce a bit of the debt so pay P&I off two of my IP's and interest only on the others. I dont really even notice it but over the years I have reduced my loan by almost 20k and can always get the equity out later.