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Don't have one Not in a massive hurry to get one, would rather live in the country than an area of melbourne I don't like. I'm 28 now so still got a few years (hopefully!)to sort that out I guess having kids sort of forces your hand a bit on these things as well

Yep Thinking about a couple of cash flow investments which probably won't need flexibility on so will fix I actually think the rates might go lower We as a country might be in a bit of strife - does make me question my investment strategy though. Seems pretty reckless!

What's your strategy to pay down the debt? This is also sort of our goal Ours is about 3 mill - hold for around 7 - 10 years - subdivide to pay down about a third of debt Hopefully the 3 mill grows to 4 to 4.5 in the 7 years add on the subdivision equity (1 mill) and we are about 2 to...