Hi guys, is there anything I need to keep in mind in getting a loan set up for an IP that we plan to move into in a couple of years? Have it as interest only, put extra money into the offset, then change it to principle and interest when we move in? I've read a bit about the other way around, not much this way. I know there's probably a reason... CGT. I'm guessing we should wait to do any improvements until after we moved in. Should we just set it up as P&I from the start?