Many thanx Melbear for your reply.

BILL,
Sounds great,however wasnt sure if it was (BBS) or whether it was just(BS)!?[]

joke only, Steve

We are about to organise a new valuation for our PPOR.We are with the “Happy Dragon”.Are others experiences that the dragon is happy for them?,particulary a central coast one[]

thanx Steve&Sharon

Thanx Billfromoz.We will start with getting a bank valuation to get a realistic equity figure then look at our mortgage reduction.We welcome any other ideas at this time. Many thanx.

Thank you Mortgage Hunter for your reply.We will have a better idea of our equity when we get a valuation from our bank.How would you suggest we look at minimising tax? Would trusts etc be benificial? We both work part time to 1.Allow for child care 2.reduce tax. Thanx again