thanks for the responses. In regards to why I can afford to buy but not apply for a loan is basically because I’m 6 months into my own business. I need at least 2 years of solid finance history before I can look at getting a loan with a bank. I can buy properties if I have capital because my life partner is my service-loan partner.
So my understanding of the answers are if I were to set up as a property business I would be able to get liscences and advertise for others peoples money with payment in interest.
thanks

kjpinner