Navigating the pros and cons of structuring loans to make them more affordable, can be very confusing. This why it’s vital to have people you can trust giving you the best possible guidance. Many banks for instance, will structure an investment loan as principal and interest repayments, which can be substantially higher than the interest only repayment option. Daniel Pym of Loan Market says "People don't realise that while they still have a home loan to pay off, it makes much more sense to pay interest only on an investment loan and place that extra payment into the home loan". Daniel explains that the reason for this is that all the interest on an investment loan can be tax deductible, however NONE of the interest on a home loan is tax deductible. Loan Market, always on top of our game.