Hi Qlds007, I still feel that salary sacrifice may not be the best strategy for me at my age, it is a great longer term strategy but i feel locking away more money now might limit my investing abilities later on, or is there something that i'm missing

Thanks guys some great advice, i have though about building on the block and will but i'm leaving that for now for personal reasons (seperated and its near the x and its still pretty soon). With the renovating side of things i have put in a lot of thought (no number crunching yet) with what i could and couldnt do, i do get 5 weeks off at a time…[Read more]

Hi JacM,thanks for the reply,   Newcastle wont be short term as it is were i'm from originally.   My strategy is to buy a house that needs a bit of a renovation, i have renovated before and i'm a wall and floor tiler by trade (thats not what i'm doing now) so i'm aware of what's needed. my main question is really what is best to buy first IP-PPOR…[Read more]

Hi Jamie, Thanks for the reply and link.      Tax is defiantly not my motivator to buy a property but it is a consideration that i'm taking onboard, i guess i feel i'm in a good situation (making the most out of a bad situation) to not have to live in a PPOR so i'm basically looking for the best strategy for me to…