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Thanks for your reply David and the links. I am not sure I would have described myself as having a problem and having had the courage to admit it, but then again, that might be the "denial" you speak of, ha ha. Anyway, I can certainly identify with the quotes you raised. That is exactly...

Thanks for the thoughts so far. @Wylie Rent figure was given by local agents. Lesser property across the road rented for $1300 in less than a week. If not $1500, then at least $1400 should be achieved. We are not "stressed" as such. Wife is only working 3 days and could kick that up to 5...

So here is the latest idea. Would appreciate some thoughts as this is all new to us, having never owned anything more than PPOR. Background Wife, 2 kids (9 & 7). Combined income $220k. Current PPOR is a beautiful, large home in Sydney's north. We owe $1mill on it, IO for another 4 years...