No the loans are sepertate I was just putting the figures together for the value to loan ratio.

The unit is not yet positive but is pretty close to neutral. My wage is 52,000 and the missus is 46,000. As I am a newbie to this IP thing could you explain what the difference is with putting it in a trust? In our PAYE jobs we have no real tax deductions and end up paying about 25k a year in income tax. Would it be better to get this down using PI's (negative but close to neutral) rather than putting into a trust? Or is a trust a better option?
Thx again for the help
Chris