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LOL. The number of times I get asked here on SS what DH stands for... usually by the same people each time. ROFL. :D

LOL - I'm usually pretty good with the acronyms (have to stop myself using them too much on SS, because I realise that some of them are abit vague if you are trying to guess). GF - The only thing that came to my mind was Girlfriend, but I think you are right that granny flat makes more sense.

My brain has gone to bed. What does GF stand for?

Well I am still very new at this, but I would have gotten an offset against my PPOR, rather then just going the redraw option.