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I agree, I also think if I sell one and use the proceedings to build the other it is also a good start that way i can start subdividing my second lot of property.
thanksThanks for your answers, I can't use my husband as on paper he has no income. Although Serviceability is part of the issue, it is not the whole issue, I think as suggested I will talk to small lenders and see how I go, I have waited for 7 years, it's time to build and get in to the market. I did also speak to a few builders but they want to be smart and take all the profit, unfortunately my husband doesn't share the same passion, so I need to be smart and a step ahead, thanks I'll try the small lenders.
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