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I agree Ausprop. I'm not sure how someone can realistically expect to be abe to 'retire' on the pension, have very limited superannuation and still have a debt of $200,000 against their PPOR? If the lady really wants to retire, I'd suggest selling the PPOR, downsizing to a truly affordable...

As your mum doesn't have any income besides her pension, I don't think she could support the costs associated with maintaining an investment property. Has she considered selling off her townhouse, paying off the mortgage and downsizing. If she was to buy a property worth $400,000 she would...