Hi Guys, thanks heaps for your comments, very much appreciated! The roof replacement is looking at $2k, for the expense, its likely we'll go ahead – mind you, I had a conversation with ANZ today and loans over $150k get a 0.70% discount. I'll be sure to raise that with Rams, see if they will counter? Also no fees or establishment costs (our exit costs are negligible now with Rams). Will keep you posted!
Cheers………..Heath