Thanks a lot guys. I have saved your email address Richard and will be in touch some time down the track when we require further finance. (we need a good Mortgage broker)

I appreciate all your thought into our circumstances, as we go along is both now and later. My current income isn't enough to cause to much stress as my partner is the main bread winner at the moment and we do have other  income, however once we hit serviceability issues, I guess every bit will help! (back to work for me then) I also always have a  healthy buffer for emergencies as well as factoring in additional rate risesetc. Negative gearing shouldn't be an issue. All sound advice, thanks again and good luck with your investing.

Cheers