Age: 39 Spouse’s/Partner's age: 39 Annual gross income from employment or profession: €112,000 Annual gross income of spouse: 0 (€280 per month children's allowance) Monthly take-home pay 5,300 Type of employment: PAYE employed In general are you: saving average 1300 per month Rough estimate of value of home: 260,000, 4 bed semi in commuter belt around Dublin Amount outstanding on your mortgage: 140,000 What interest rate are you paying? 0.5% tracker, €600 per month Other borrowings – car loans/personal loans etc 0 Do you pay off your full credit card balance each month? Yes Savings and investments: 186,000 Do you have a pension scheme? Yes DC scheme value at 230,000 (I am maxing out AVC's), spouse DC scheme value at €50,000 (no contributions made in 4 years) Do you own any investment or other property? 3 bed semi in Dublin suburb. Value €280,000, renting at €900 per month but market rate is €1400 per month. Tracker mortgage 0.5% at €875 per month, €185,000 remaining Ages of children: 2 and 4 Life insurance: employer covers 4 times salary. Also have separate 19 year policy for 700,000 so plenty of cover I think. No serious illness or income protection cover however. What specific question do you have or what issues are of concern to you? Generally I think we are in a good position. I am not sure there is much more we can do than perhaps charge the full market rate on the investment property (I know about the new rent rules). We may in the next 2-3 years buy a new house to live in and rent out the current one. I would borrow 300k and use up to 150k savings so that might be too much property based borrowing? My wife intends to return to work or part-time work in the in 2020\2021 and should earn 35-40k if full time. It doesn't make sense to pay off the cheap trackers for now. Any other obvious things I am missing?