Hi guys, Trying to decide between if using a P&I loan is better, as it 1% cheaper than IO. However, we will end up paying down some of the loan and so our deductible loan will reduce in size. I am trying to work out a way of using a P&I while maximising our deductible debt. Say we had a $1,000,000 owner occupied home loan that we wanted to debt recycle. We then split into say $100,000 split using a P&I loan at 3%, pay this down, then redraw it out to buy income producing shares. 1) My question was with whether we can continue to redraw any amount paid down into this P&I loan?? Say for example, after 5 years due to our repayments, we have paid down our loan to $90,0000 so have $10,000 in equity. Can we merely redraw the extra $10,000 and use this to invest? And then our deductible component will return to $100,000 in order to maximise our deductible debt? 2) How frequently can we redraw our equity? Theoretically can we pull it out every month as we pay our interest repayment, so technically keeping the loan always at 100% of original loan?? Thanks!!