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Reply: 2.1.2.1 From: Sim' Hampel If it appreciates in value then it is an asset... but that's not the point. If you cannot access it, you cannot use it to service a debt, so for servicability requirements it should not be considered. This is NOT an argument about whether you should have...

Reply: 2.1 From: Sim' Hampel But surely you must be earning that income for it to count ? Just having the super sitting there (which you cannot access for say, another 20 years), would in no way help your servicability ?