As borders start to open and more expat Australians start to return home, they’re likely to face a difficult financial choice – whether to put more away into super or focus on mortgage repayments.

Depending on how long they have been away (and whether they have any luck navigating the regulatory complexities associated with repatriating superannuation), the balance in their Australian superannuation fund is not likely to look that healthy. If they’re also in the process of purchasing an Australian property, mortgage repayments might take on a greater focus than topping up superannuation – but should they?