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Second option is definitely the way. Borrow 80% against existing property now, it's always better to take the funds when you don't need them (best time to get money from a bank). Ensure when you do use any of these funds that you split the loan later one. 1 loan 1 purpose. 1 security per...

You shouldn't have problems now fixing it up, the valuations would be current. Perfect time to fix it up. The issue is in the future, if multiple properties are crossed when you want to make a change on just one all will be looked at. One property could increase in value, the other decrease in...

This should of already happened, it's not something that you should be doing or finding out after. You don't want to have the loan x-coll.

Tell him thank you for your time but his services will no longer be required, this brokers doesn't have a clue. He's gone against your instructions to keep PPOR with ING, refinanced for his own good along with simiplified the immediate process from himself by x-coll your borrowings, this will...