Hi All thanks for the replies.

haha yes Terryw, sorry i ment interest only.

I've changed to the Rocket Investment Loan package by westpac (it comes with an offset account) and asked for an interest only period of 5 years.

Question: My concern is if i were to change to a 10year interest only (compared to 5) .. what happens in say 6-7 years time when i need to restructure my loan? Will it be more difficult?