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- Hi all,This is my first post, so I hope I have put it in the right section.Not after any advice as such, just some options to consider, if any exist for what I'm after.Our situation is this; we're in our mid 30's. My husband works 2 jobs earning around $90K gross pa. I work part time earning around $30K pa. We have 2 young children aged 5 months and 2.5 years. We have 2 investment units on Sydney's Northern Beaches which we have had for 5 & 6 years respectively – they are negatively geared (not an awful lot of capital growth in this time). We previously used to live in our own home however we sold it 3 years ago to make things easier financially once we started our family.Our out of pocket expense for the 2 mortgages is $2380 per month (not taking into account any tax breaks). We are locked into a fixed term for another 3.5 years (I know, I know!) so refinancing at the moment to get a deposit etc isn't really an option due to hefty exit fees etc.I dream all the time about living in our own home again and want to know if there is any way at all that we can do it, while keeping our 2 investment units. Problem is, we can only afford about $2400 per month in repayments at this stage in our lives and the properties we would be interested in cost around $500K.So, finance gurus…..do I need to keep dreaming? Or is there a way after all that we can go about this????
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