Cheers Richard

As you said, it's a common predicament and I've read about it everywhere in my travels too.

Thanks for the list on your site.  I've heard about CC and and was told to steer clear… I've since had some people suggest it to me and I just get this sick feeling in my stomach

Anyway I'll have to sort something out tomorrow.

Problem is that last time I went to a mortgage broker (probably the largest in Darwin).  The guy I was dealing with has 5+ properties himself and was right into investment and really keen to help me out / very genuinely nice guy but whenever I asked him a question re tax, etc. he couldn't answer and said I should talk to an accountant.. which was just frustrating..

Thinking it over now though I was probably asking him really more tax specific questions which it wouldn't be right for him to answer  if he's not an accountant – so not really his fault..?

But I'll make some calls hopefully I can do something ASAP.