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Well, it would be more helpful to know who does end-value loans :) Especially for those of us who will have an end-value much, much higher than the sum of the parts. It would make a mammoth difference to the figures.

Its the same issue almost to the letter. I've bought a house with a large block of land to subdivide then build another house. So will a bank look at the total end value of the development including the added equity created by the development therefore bringing the LVR below 60% and providing...

We're doing this but are funding the subdivision cash - we need to take it to 60% not 80%. I do have two other properties as equity, one of which might even be rented out soon :eek: Who does end-value? Land+build here is quite a lot (almost $100k) less than a finished, new house would sell...