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@simonjandrews2 I hate debt, It plays on my mind and effects me. I've been in the same boat as you and personally I chose to pay off the home (and keep the money accessible in the accessible bond). I don't mind losing a few % as the peace of mind not having that debt weigh on me is worth it.

@vincejohnson you're 100% correct but unfortunately That is business. You take what you can.

@vincejohnson IMO, I think its probably very common for landlords to enforce what's on the lease. If it says 2 then it's up to the owners discretion. Keep in mind, the toilets /showers/doors kitchen going to be used 50% more now. so wear and tear does increase, it'd probably nominal but its not...

@geof2015 another option. You could rent that place to live in and buy a property to let out. with a sizeable deposit (like you have) you could positively gear the investment property and get it paid off soon (in relative terms) Possibly buy in a place you want to live in in 10 years, so by...

@geekgrl76 You're allowed a tax free investment of 30k Per annum. use thst first