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Peter, I agree with you, it is not designed for property investor financing. It was rolled out far too early and the distaste still remains. While they have done extensive modifications to attempt to make it more user friendly, it is a more a compliance tool than a help for business...

As others have said, it is not an immediate one solution fits all. For most the first decision as to equity release is critical as is the strategy, is it a buy and hold or develop/renovate etc? From my part, a 100% on the PPOR with unlimited cash out/LOC at a decent rate is the start...