Okay I get that. So effectively I wouldn't have payments so I live mortgage free??? Could it be so??? I basically need to be cutting costs as much as possible to keep my kids in their independent school etc etc. 5 kids is expensive!

So, I could use $200 from the super and $200 from the cash and the fund would own my home but I can live in it and essentially once I am 60 I can sell it? What happens if I want to sell it before retiring age?