MortgageHunter, sorry about being vague. I don’t really have much experience at this yet. Here is my situation. PPOR and i/p both have mortgages, but both have equity. Also (I know this is a big no no but we will be rid of this soon) a personal car loan. We need advise on how best to deal with the lot and also on using the equity to purchase more i/p. Hubby is the only bread winner but on a good salary. We are looking at NZ as an investment option too, so not sure if that makes a difference with regards to who we see. Hope that is more what you are after???? Not even sure if that means we need a broker or something to source better mortgage deals or is that a whole other ball game? As you can see I am a beginner, hopefully not too many of you are laughing at me right now [confused2]

Deb