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Not at all. We wanted to "reset" to a "no-loan" status with employment income as an option, and this has enabled it. It also let us offload the potential "troublemaker" properties - the ones that were starting to show signs of excess wear and tear (like serious rising damp, building damage...

We sold down enought to pay off all our loans (PPOR and IP's), leaving behind (just) enough IP's to generate rent we can live off. The biggest cost impact it CGT - have you taken this into account? It can eat into your net profit a fair bit.... The Y-man