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Not paying the home debt is no different from paying P&I on your home and then use that equity to take out an 'investment loan' as deposit for an IP. Isn't it?

Thank you Jingo for your story. Sounds like you came to this stage mainly through your 'savings' habit and a bit of timing. As usual I have few questions :) Given a choice I would like to live in a top floor... but what are your reasons for top floor(as a an investment)? How do you...