What i would like to do is reduce my repayment when we go to one wage, see how it goes then invest in a unit or house. If investing should i keep some money for that? when  you invest do have a bigger loan for that and less for my place or vice versa?

So that means i wilkl only be paying interest on the aprox 30k, but my loan will still be 360000, how will i ever pay it off?