Cross-coll and subdividing

Hi all.
Just thinking. I bought my latest ip on a 95% lend and soon I hope to subdivide. It is currently not crossed with another property but after subdivision I assume it's value may drop a bit due to the loss of land. Will the bank then need more security. Possibly the new property. Can this be avoided ?
 
I noticed the form you have to give to your bank when you subdivide but I didn't read all the small print.

Will they take security over the second plot if the first plot has more than enough equity in it? I'd assume they'd do a valuation at the point the subdivision is complete.
 
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