Thanks for the replies. I guess I will keep doing the hours and reduce the principle as quick as possible. Not familiar enough with wraps at this stage, and I don’t have much time to manage the properties.

Thanks again
M

OK next question. Considering that Rick provides this return. If I use the redraw availability on my PPOR @ 6.5%, and take out $40000, which I then invest with Rick @ 12%…I can still repay the redraw at 6.5 % and make a profit of 5.5 %. I’m I missing something here?