Robert,

Thanks for the advice, do you suggest we just visit a regular mortgage broker and explain the situation and what we are trying to achieve and be guided by the figures they come up with. Can you point us in the right direction, our brother in law has a mortgage broking business however we are reluctant to involve family in our finances.
Any advice would be helpful, as we are really very conscious that our yearly salary increases will not keep up with the current 10% pls of fee school increases. We desperately need to look at other alternatives.
Do you know much about the changes to super laws as at July 1 2005. I have about $40K in my super which I was considering using to assist in getting into property. Whilst I know that a super fund is unable to borrow is there a way in which I can guarantee the loan to assist in a property purchase. Your thoughts ???

Cheers