Thinking about how APRA have made it more difficult and the timeline of saving deposits, costs etc to buy future IP's. Always thought it would be best to buy IP's first due to tax deductibilty and increase serviceability but looking at figures and a different scenario came to mind- pay down a $600k PPOR with the partner but as quick as possible (8 years) and then use that full amount to start the portfolio. If both were on $75k it would be about $120k combined after tax which is about $2,250/wk combined. P&I repayments on $600k home ($528k with 12% deposit) at 6% for 8 years= $1,600/wk Weekly surplus= $650/wk or $325/wk each to live off which is pretty reasonable given the goal. By year 8 the $600k has been paid off and is now available to fund IP's, reno's etc but now have $2k/wk+ and no mortgage which will help serviceability. Not accounting for any growth in the house value itself, taking in a tenant or 2 (if worth the tax consequences) or extra value gained from a reno. Besides possibly paying a bit more for the IP's in 8 years time, how viable would this strategy be as an alternative? Would it be worthwhile looking into?