We have no adverse impacts yet - tenants still paying. Interest rates good. LVR low. Buffers good. Other assets. But my scenario planning did not include pandemics, of indeterminate length. Longer term who knows what is going to happen, to property prices, tenants, the world? What is the best support to ask from your bank if capitalised mortgage holidays are not needed and wouldn't really help much? - return some loans to interest only - for cashflow - extend the loan term - again for cashflow Anything else? Best to ask now or to wait until they further develop support policies?