hi,thanks to sonya and littleaussie for further advice, and good food for thought. It's getting pretty clear that I need an adviser. Can anyone provide contact details for someone good? If you'd rather not do that publicly, you can send me a private message on here, or email to [email protected].I'd be most appreciative.

Thanks JacM: if I understand you correctly:- say the bank wants mortgage repayments of $1,100 a month minimum- say I pay $1,200 a month- you're saying that I should put the extra $100 in an 'offset' account, which reduces the interest on the loan, but is available to me at call?these are the apartments I looked at: http://www.ecosquare.com.au/…[Read more]