Thanks for the replies fellas [biggrin]

Yeah, we do have a 100% offset redraw account (RB), but i’ve only been using it to hold our salaries while we spend on credit card (not for savings). We’ve been paying extra straight off the lone account. We have redraw facility, so I wasn’t too concerned about that.
So, does that mean if we’re $8k ahead on payments now + another $10k ahead by this time next year, that next year would be a good time to invest in our first IP with $18k deposit (depending on our equity)? or sooner?
I havent read Steve’s books, I just ordered one [thumbsupanim]