Help guide
Interest-only rolling to principal-and-interest
Why PI repayments jump when IO ends, lender reassessment quirks, forward planning checkpoints — generic info.
Payment shock maths
Same rate but amortising principal over fewer remaining months raises instalments—sometimes sharply.
Some borrowers extend loan term refinancing—subject to age policy and costing.
When to revisit
Twelve-plus months before IO expiry compare refinance, fixation splits, budgeting and offset strategy.
Investment tax deductibility interplay is an accountant conversation—cashflow hits regardless.