I’ll go with RussH on the plumbing stuff.
Reece Myaree was cheaper and better than BUnnings

Be aware that if you do not separate the titles on the subdivision and you intend to revalue the properties that the new valuation will be substantially lower as 2 houses on one block compared to houses with seperate titles.
Another thing to consider is that costs will be higher if and when you do split the titles due to capital growth which means…[Read more]

Thanks Terry, they were avenues I had considered and will now investigate further.

Ha Ha , I love it Jay, I am a spelling purist as well

Same thing is happening to us. Talk to a new broker, apparently if it is a fixed interest loan and it is lower than current lending rates no penalties will apply if you refinance. I have since learned that it suits brokers very nicely to cross collateralise loans.