Hi everyone, Got a question for ya. Let me try and keep it simple. Say you don't own any investment properties. Say you don't own any shares. Say you 'own' your PPOR - it's worth $600 000, and you have a $300 000 mortgage on it. Would you decide to invest in shares etc asap, or would you wait until you paid your non-deductible mortgage off first? If you're in a high tax bracket, the savings you make by paying down your mortgage interest is equivalent to about 13% pre-tax, which is pretty impressive when you know it's guaranteed.