Hi everyone......My situation is as follows..... Own my PPR and have 1 investment property. 1 mortgage over both properties. 3 separate LOC though - one for the PPR, one for the investment house and one for if needed (but never touched). Owe nothing on PPR, and loan on investment has gone from IO to P&I in January this year (5 years). Lost my husband to cancer 15 months ago and have money from his life insurance in offset against investment house. Have just gone from 5 day job (school hours) to 3 day (school hours) which will hopefully increase with time. I can't work full time at the moment (like until 5 every day) due to youngest child being 12 years of age. Would I be best off asking the financier (RAMS) to go back to IO for a while until my work picks up. What are the chances of them saying yes??? Probably pie in the sky asking here, but you never know lol.