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WHAT TO DO Thanks guys. I keep dwelling on it for a while!

Question. My partner and I have a PPOR that we owe $224,000 on and I estimate ( going on onther sales in the street) the house is now worth approx $330,000 giving us approx $106,000 equity. Our delemia is that we owe approx $26,000 in c/c's + a personal loan. We would like to buy an IP so...