Just wanted to add my bit---10 years ago I took a loan in oz in order to move to UK and paid it off from here within 9months as the UK pound was strong then. Heading back to oz soon as we will still have debt here, I.e we paid for our family flights on credit card plus we will live off UK credit for s while in oz till we get sorted. But we will take advantage of strong oz dollar and pay back as much as we can quickly. Not ideal but if we had to wait here to 'save up' it'd never happen. I'd much rather pay a bank interest and sit in the sunshine by the harbour bridge. But hey, that's what I want and everyone is different. So do what you want!