We have a residential property portfolio with two properties. Circa 1 million value and 600k debt.

We own our own house debt free circa 600k.

We want to get some diversification going into index funds but don’t just want to dollar cost average a certain fixed amount each month.

We want to have some sort of loan arrangement where we can have dry gun powder so to speak and buy in the sharemarket when prices are depressed (think 2007/2008). When they are priced like today we would simply pay back debt.

As revolving credit floating rates are generally higher than fixed rates, how would we go about arranging such a plan?