Another little spanner in the works may be if you are able/wanting to salary sacrifice  – I was advised the other day that you cannot sacrifice an Offset mortgage, however you can if it has a redraw facility.

Damn a Negative score…I'm having difficulty getting my head around how on earth to get that score into the +'s with a homeloan – even though we're paying an extra $500pw on the mortgage. Need to start looking at how to put that $500pw to better use I guess!Happy for any advice!