Thanks for your reply and so promptly.
Yes we are self employed so income looks better on paper. Have dealt with this bank for quite some time and have a good relationship with manager. Yes we have to pay mrtg ins which i’m trying to avoid as more borrowing means more repayments. will go and shop around to see if bank will match.
Bank suggested…[Read more]

Thanx Dreamer
Have been looking for +cashflow props and not having much luck. Me thinks I have much to learn!!!
My partner is a registerd builder but not actively building at mo. thus the development of duplex and renos quite viable.Will look further into this +cashflow thing.
Cheers. mel