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How does that relate to commercial loan products which usually have 1 to 3 yearly reviews? This is separate to the product length which might be say 20 years.

I know them well and I agree.:eek: But they are not concerned with the possible up side with good management but rather the down side with poor management or unexpected events (such as them raising rates LOTS of times!) Except that a paranoid bank might make unpredictable moves...

So Daz in summary the bank does not wish to release any security because last time they did so you went against their advice and purchased another property which they saw as weakening your postion and thus theirs? You have not been willing to open your books to them to relieve any of their...

Hi Dazz Wow that's painful :eek: It will take some creative thinking and a lot of headaches and paperwork to get out of that corner. I too used to think x-col was no biggie at all until I experienced the pain (seizing all funds upon sale of a property and wanting even more!) but I was...