JHK thankyou for the link, i will take a look at that…

Terry thanks for your input also,  i guess i don't need to declare myself a developer as such, that's just a technicality. Just so i know, why is it more difficult to get finance if i declare myself a developer ?

In regards to selling my business, well that just needs to be done. I've been doing it for a fair while and i need to make a change. I agree with you that serviceability will be a fairly big issue, but i pretty sure there is a way around it. There has to be.  Can i use savings a serviceability ?