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Thanks for your thoughts Pixel, I can clearly see naming the thread "Advice" was a bad choice of words. I just really wanted to throw it out there and see what peoples thoughts were. Hopefully my plans were to semi-retire by the time I am 40, and the house I am currently living in now I would like to move my parents into and try to give them as stress free life as possible. I was just thinking instead of pumping all my money into this new home loan would there b a smarter way to make my money work for me. It is always good to see how other people would react if they were in the same situation.....