Richard Taylor wrote:

Only if you offer Coded loans over 62 days.

Out of interest, can you extend the loan / refinance it into a new loan of another 62 days, without ACL?

BB wrote:

I am 22 and currently own two investment properties.

Congratulations, that’s quite an achievement!

Being young means you have a lot of flexibility, can afford mistakes and try out different jobs to see what you like and are good at.

What is your education background? It might be a good idea to go to Seek and search for jobs relevant to your education, see what the salary is like, go for interviews and decide if you think you’ll like the job.

If you want to expand your skillset, there are a number of free/low-cost online courses such as udemy.com, khanacademy.org and LinkedIn Learning which has a free trial period.

I personally have been reading up on articles on Seeking Alpha, to expand my knowledge on the sharemarket. This may be a good way to invest my savings when I cannot borrow anymore for a property.