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Some good advice. It seems renovating this kitchen is not going to create much equity. Don't waste your money on it at this point. You may even buy a better PPOR (a 4x2 or something) after some years. Family man, it is said that money is made when you buy and it seems you have bought well...

Hi Family Man First of all, congrats on getting the offer accepted. You are planning to pay minimal deposit (thus pay maximum LMI) and use the spare cash to update a kitchen which is actually not that bad? In your position, I wouldn't do it. I would rather try to get some temporary loans from...