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In an ideal world, i fou're increasing your what i call bad deat on your principal place of residence. I would obviously do talk to your mortgage broker and do the sums. If you did re finance, and if you had enough equity there to draw down to re invest into the home, making sure the repayments after you've finished are still at around 25 % of household income. Because if it's over that, youwill use u spending too much on your house anyway.