Good morning. My question was centred around the governments 5% deposit home loans for first home buyers. I am looking to take make my first purchase for a PPOR and my plan is to invest in real estate inside the next 3 years after making the initial purchase, and then beyond that. My question is, would the benefits of an Interest Only Loan with an Offset account, with roughly a 15% deposit, having to pay LMI, outweigh the short term benefit of paying no LMI and having a P&I loan under this scheme ? Any points would be appreciated.