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Thank you all :o

Yes, will need to think about that too. Just in idea stage at the moment later, when this actually Happened :p Assuming I can qualify for $1M and actually find somethi ng that for the purchase criteria then yes, most likely will fix the rate at the lowest possible rate :)

What would be the potential hurdle? e.g. council approval?

I'm wondering how possible it is to do so that I can live in the suburbs I want, with some garden (and maybe a pool). Location Sydney North Shore Buy existing property with big land Add pool Add granny flat - a big 1-2 bedroom. We don't need a mansion. Fence off the flat along with the pool...