28/10/2026
Interest only isn’t for everyone.
For the right plan, it can give you room to breathe.
There are plenty of reasons people consider it:
🛡 Building a buffer
👶 A safety net for a new baby
📈 Saving for future investments
🏡 Saving for a deposit
✨ More room for life’s big moments
Lenders do accept interest only repayments on owner-occupied loans, but policies differ.
It’s also worth knowing that when you switch back to principal and interest, you’ll repay the loan in less time, so repayments will be higher.
Want to chat about going interest only? No worries! Send me a message and we can chat it out :)
General information only. Interest only repayments mean you’re not reducing your loan balance during that period, and you may pay more interest over the life of the loan. Lender policies and criteria apply.