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And when I say similar numbers, I mean I have about a mil of equity, built over 11 years of investing in property. So pretty comparable I reckon, but nothing special on this forum.

Wow, impressive. $120k in just one year. Is that gross or net? After cgt or before? Is that off your estate agents valuation, your valuation or the banks valuation. I personally have made similar numbers over my years of investing, and i have made lots of mistakes along the way, and have...

Sorry, what's the plan? All I can see is you have subdivided without doing any research or running likely scenarios, your not happy with your broker, and now your applying with another lender for a refinance. Why is this time going to be any different? There's a lot of shared knowledge you...

Lets take it back a step. Why do you want to partially release this second title? If its to sell, that's fine, get a contract, and at settlement home side will use part or all the proceeds to reduce your current loan. if its to build on, then not having serviceability will hold you...