Hi Derek
I relay appreciate your feed back,you have helped me more the you know.

Best regards
Bindin 

Thanks guys your input it has been very helpfull,
Regards
Bindin

Derek
Back in 2006 I didn't have a retirement plan I just keep working but since then I've had two strokes and before you know it  your life changes, taking things easy and having less stress is more of a priority however now I have debt.

Regards
Dindin

Thank Guys
If I could retire now I would but 5 years would be fine.
My PPR is paid off only the LOC on my PPR is left.

Regards
Bindin

Hi Terryw
No the LOC is Tax effective it just that there is more costs than income and I'm not sure what to do.
Regards
Bindin

Hi Derek
Yes the lack of growth is a problem, One property is in Armadale and one in Seville Grove and I live in Marmion, my plan for the properties was to give me an income later on, the LOC was used for buying costs and renovations all of this is tax deductible, renting out the properties is not been a problem it's the debt if I wanted to sell…[Read more]

Hi Richard
Thanks your comments, what I have is a debt on both properties and the LOC that I need to support, how can I retire with this debt?

Regards
Bindin

Hi DaveThis is great stuff forgive me for asking but in W A we dont have torrens titles what  is it ?Steve