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Ok folks, I'll talk this over with the fam and post.

Rick, We're wanting a comfortable retirement. The time frame is 18 years.

I've lost my way for a number of years and was hopeful of some help getting back on track. We have no residential property at present including no PPOR, and one commercial property with an LVR of 40-45% (no recent valuation) and a net return of approx $35kpa. 5 year term finishes feb 2009...