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Hi JL No I would not disagree with you, especially about LMI. But why xcoll, what you been up to ? Im just saying there is more than one way to achieve the same thing. Hw did you get away without CGT ? PPOR exemption ? Ta Rolf

Hi JL I can see your point. But you dont need to flog a place to get at the asset growth to stick into the next deal, thats the whole point. Depending on your circumstances you can get up to 95 % refinance, the proceeds of which you can use to further gear - vroooooom. Ta Rolf

Hi Nigel unless its a dog why would contemplate selling it. Seems you are getting a good rental rtn, and by good burb I suspect you mean one that will grow well. Indeed what would replace it with ? What more could you want ?:confused: