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Q: I am a health professional, have my practice I have house owned and 2 investment properties, the loan on them 3.5 million with ANZ, my house is debt free worth 2 mil, but it is in a cross collateral security with one of my investment property that has a loan of 2.1 mil, I have a business loan of 830 k with ANZ, my repayments for loan investment 13K a month and business loan 4K I guess the loan is fixed for 2 years , I want to build my house knock down and rebuild for 1.2 Bank don’t lend ?