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Hi Richard , Thanks very much for your reply.I had overlooked the possibility of retiring debt in the future .The 3 LOC seems the way to go Thanks again Bushy

G'day all , I posted this last week and lost the reply with the changeover.Sorry for the hassle Dale. My wife and I have 3 positive geared IP's in our own names that have increased in value by obout 80%.We have also purchased more properties but they are through our Family Trust .If we were...