Hi all, finally made time to sign up a new account on the new forum - its looking great in here! Now that I've finished my first subdivision (simple 1 into 2 lots here in Brisbane), I'm looking to run the same scenario again. The problem this time is that once I source the loan, do the subdivision and 6 months later get discharged from the original mortgage, the banks will be onto me and i don't like my chances of doing it a 3rd time. Are there some of you out there that have used alternate banks (Liberty, low doc loans etc) where they make their money on application fees instead of ongoing interest repayments? Its got to be a win win for the bank and myself and I don't mind paying my fair share but I fear that if i go to one of the majors again, i'm only going to be able to do this a couple of times before I run into trouble to get financing again. I've asked my mortgage broker but he didn't seem to have a decent answer for me and hence why i'd love it if you guys could share any thoughts you might have. Thank you and have a great weekend!