Hi - My point was that at such a low income someone would be best served to have you house paid off...imo. Especially with her debt level. After paying off the ppor then you can invest the rest. Tax should not be a consideration.
Or Margs suggestion - the only problem with Margs is that the...
My first bit of advice is to forget about tax benefits. Especially at your income level when you are paying virtually no tax.
The big question I would have before giving you any advice is - will your income levels increase over time?
If not then my suggestion is to pay off you PPOR loan...
