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Skater, thanks for the reply. I have not had personal experience of that, however I am not pushing the envelope, so may have skid under the radar. I suppose everyones position is so different, that will have a bearing on things. Again thanks, and best wishes.

Skater, I am sorry, I may need some one help me understand the "flexibility" of having a seperate loan with each property, over one loan for the lot. I will add, that at my stage of life, I am not at the upper end of LVR, and my borrowings are in the name of a trust, so that allows me a great...

When you guys talk about number of loans, I cannot help but think, would one loan, and then perhaps for flexibility, a line of credit, not be a way to go?