We built our own home last year, and we now have about $40,000 of equity. I want us to look into refinancing to free up about $10,000 so we can get everything finished (we've got no heating, air con, light fittings and some rooms are still missing curtains!), and also for our trip back to the UK next year. DH doesn't think its a good idea - he's a numbers man, and he's worked out how much more in interest we'll have to pay, and all that stuff. I just think that to save up for everything that needs doing will take us a looooong time! I do quite like the idea of a line of credit and an offset account - i think that might be the way to go.

Any advice???