thx guys we have 2 seperate factory units on both on their own title freehold worth around 550k commersial land worth around 300k freehold ,loc on ppor at around 50 percent of value , two townhouses loc at around 60 percent of value, just about to get loc againts 4 units on one title but because of income Around 200k between all owners, brother his wife ,me and my wife, they will only give us 50 percent of value in a loc. we have equity of over 50 percent on portifolo. the other townhouses are on loc at around 70 percent off value.