Was offered a good rate from a NAB banker for an IP loan (IP is interstate). Another broker I used before suggested she cannot beat that rate from NAB, but she's got some kind of approval from her point of contact within NAB that I can apply the loan as OO for a better rate, and the keyword is "holiday home". Not sure if she is serious on this or if she is just trying to grab a client by talking crap. Also, even if what she hinted is doable, are there any potential risks of declaring an interstate IP as holiday home from the taxation perspective (deduction and CGT issues)? Many thanks for reading.