As some of you know, I have recently purchased a IP, which I plan to make a PPOR in a couple years time. Currently the interest payments are 2/3 of my wage, so once I move in, repayments will chew up a good chunk of my wage. My question is what you would do. a) use the next couple years to pay down as much of the loan as possible whilst rental income is coming in. b) pay the min of loan and invest excess funds into equities and then in say 3 years time sell them down and pay down a portion of your loan to make it more manageable when I move in. whats the most percent of my wage should I be paying towards a home loan once its a PPOR?