<prompt> Human: Hi guys. I am about to receive a large amount of money, over 500K, that will allow me to pay off my mortgage, but should I pay it all off? Is there an advantage to leaving some owing so that I have the remainder available as credit. Not sure what to do so any advice is greatly appreciated. I am in Australia. Assistant: Will you have any left after paying off the mortgage? Whats the interest rate on your mortgage?Human: The mortgage is at 4.65 and Ill have approximately 100K left over  <response>: Id pay that off, or at least a big chunk of it and then refinance the rest. 