I would definitely get rid of the credit card debt - interest is a killer. Worst comes to worst, if you pay your credit card off at the end of the month but have absolutely no savings, you can still max our the credit card if an emergency comes up.

We've got a pretty good mortgage. It has redraw facilities and its an offset/equity loan (I think that's what its called). Whatever it is, all of R's monthly wages go in there and then we pay all our bills back out of there, pay the credit card off etc. We're with Westpac so I would say the one thing I'm not happy with is that the interest rate is higher than some other mortgages around, but the flip side is that we have fee-free credit cards, savings accounts etc. TBH we should look at changing it, but all our personal and business banking is with Westpac, and like I said tied up with each other, and the thought of undoing all that is just overwhelming at the moment.