You have already offset 60% of your mortgage! That's amazing. I still need to work really hard on mine:(

I got a really modest place, well below my means

I think this is the reason why so many Aussies are struggling right now. You need to get a place that is below your means, and not max out your lending capacity. Neighbour envy is so strong here and people get sucked into it and now that there isn't anymore cheap interest rates......