Mick, what you fail to see is it is not your money that only makes 2pc its the banks money. once you have invested enough in a property to make it self funding showing a decent profit you refinance and get your money out. You then start all over again your first property will end up financing a dozen properties if you work it right. Lets not argue the figures if you can borrow money and make money from it and this is only a basic example do it. macdunk