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you can do that but thats arranging the deck chairs seek specific tax advice Id suggest, self medication may be a wealth hazard here ta rolf

refi aint gonna change the outcome, no more than re-arranging the deck chairs on the Titanic. The mould was cast when the now PPOR was paid off. You may have some options as per my earlier post ta rolf

Hi BSP To a large extent I expect the train left the station without you when the current PPOR was fully paid off. Poor credit advice if the banker/broker asked that question Not quite enough data to really help, but on the surface Bank will lend you 105 % to buy new IP, 105 %...