Home Mortgages

If you have a home mortgage with equity a potentially optimal method to investigate is to restructure your home loan, such that you draw down on the equity, then, use that equity to pay back in to the mortgage, like using an offset account. The advantage being that in a SHTF scenario you can 'hold out' longer than just about everyone else around you.

Clearly, owning outright is the best idea, but for those that would rather buy PM's than pay down half the equity, this could add a little extra breathing room for the PM's advance in price, hopefully to the point of eclipsing the remaining debt.

Just as idea....