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Well said post Dazz. And also of course the bank's chosen valuer on the day... And then there's the short cut on the short cut on the short cut... LOSE (Living Off Share Equity) or LOML (Living Off Margin Loan)... ! www.somersoft.com/forums/showthread.php?t=66762

Rixter, Is this because you still have a day job with a regular income?