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Well the diff in a $20k CC is huge...almost $600 per month in servicing.

^ remember to keep the " your credit card has been closed" letter, just in case...

:p:p:p Sometimes you have to let nature or "alcohol" take it's course haha ;)

When your property goes up you can apply for an equity release = cash out. OR sell up of course....

In summary deposit is king....serviceability can always be tweaked and worked around. Deposit = Equity = Cash = Capital growth :cool::p:p:p

Comes down to 2 fundamentals. 1. Having a set investment strategy in place, knowing what each property/buy will do for YOU and your OVERALL plan. Ie For me personally i love capital growth properties as that's where the big money is + depoist which is crticial .... i will buy 1 Capital...