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Hi PM The reference to changing circumstances is about tax relevance and gearing. Generally speaking, people's income grow over time, but not always. My example was to illustrate that someone working weekends does not pay much tax so the gearing benefits are trivial, then studying...

Hi PM There is more to property investing than using a deposit, or paying / not paying mortgage insurance Some people like to buy one property, pay off the debt, redraw the money, buy another etc Some people like to use as much of their own money as possible, other people use the least...