I have a loan about to settle. Planning to pay all new funds back into split loan account to use to directly redraw to their final destinations. My question is, 30 days from settlement when the first repayment is due, is the repayment due in full even if the loan balance has not been drawn down (if I haven't used it yet)? We are going on holidays and will not be using the funds to buy our investment property til we get back from overseas, so just trying to figure out how much to leave behind to cover the repayments. The bank have set up direct debit, so I'm assuming regardless if we have used the funds or not they will still take that repayment?