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I haven't built the garage yet but I was considering putting in plumbing for a stand alone sink where with approval convert to a granny flat down the track. So a install of kitchenette would be simple, but he told me of the bank rule of having 3 living areas could be too much risk for the bank...

So if I had the property approved for a granny flat then the same applies you could rent out the top of the house the bottom of the house and granny flat, in my eyes I have a 2 storey house and granny flat they separate them into the specialized category still? what so you mean not the best...

Hi, I just had a house valuation for my PPOR where I am undergoing renovations, I have upstairs and downstairs to be, also a free standing garage (own access ie 2 street frontage) which will have a bathroom. The valuer mentioned they wouldnt touch it (the bank) if I were to put a kitchenette...