BB, sold these a little while back, to escape the punitive tax deduction. Have a strategy yet to play out-intend to buy IFTHA after NZ$ rate cut. Currently down to 62 per 100 and will probably go lower. Estimate after NZ$ rate cut and IFTHA reset 6.2% real return better net than WKSHA. IFTHA margin 1.5% over 1 yr swap. Only committing new funds to this strategy as best home low interest rates.