In answer to all the questions:1. the house is the PPOR2. the interest is 8.3% (ex-construction loan)3. the LVR is greater than 95% causing issues with refinancing4. the plan is improve cashflow (and equity) now to prepare for the future ( i feel we are just stagnating and putting ~$35,000 in interest against the house every year. Surely there is…[Read more]