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G'day Luke Thank you for clarifing it for me. At the end of the day I will do that very soon. So...Rolf, can I send you an e-mail with all the details for your expert opinion? Pls let me know. Regards Alex

Hi Rolf So you mean to say that to have these options it costs extra? If so, they are not there to save us money but to make money for the lenders. Alex

Well some of the features, I would like to have, are: Ability to increase your limit without needing to refinance, the ability to add extra accounts as you need them and the option to add or release a security without having to rewrite the loan, wich I think saves you a lot of money on the long...

Going thru M. Lomas book "How to Create an Income for Life" she describes about 10 features an LOC should have and I was wondering if any of the forumates tried it. My LOC certenly has not all of them and if I want to increase the amount I will have to refinance, wich means more application...