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The Kieran Trass approach! :D I liked his concept of developing into the boom phase of the cycle. Mitigates risks of downturn. I might be a tad ahead of that curve but recent capital growth in my postcode suggests that if this isn't the boom then its not far off it! As with all things...

Ha! I'd completely forgotten that today was a board meeting day. Shows you just how much I care what they do with variable rates at the moment... ;) FWIW, I just got off the phone on a 1hr call to the regional manager of my lender. They've approved my $1.2M in borrowings to do my Mona Vale...