Thanks for spelling out a few of the options so basically.  Yep! should have definitely done the offset option, we were young and didn't know any better.  And learnt that getting advice may not actually get you anywhere different, but that it may end up costing you a lot in the process!I think we really need to look into the family trust option t…[Read more]

Extra cash was put in to reduce the actual investment mortgage – so we paid well over and above what we needed to.It also looks like when we financed the new purchase principal place of residence that the investment property was reconfigured to lower the amount of the loan therefore it seems we no longer have access to the equity within it.  Not…[Read more]