Terryw wrote:
Refinancing won't help with CGT though

I mean not selling and drawing out equity Thanks for replys 

Terryw wrote:
If only the house was owned in a discretionary trust!Transferring to wife would be a CGT event. In VIC it could be stamp duty exempt though.

Yep thats what i'm thinking about CGT event . I am in Vic so believe stamp duty exempt.Best option may be to Refinance