Thanks for the reply Jimmy. This is an interesting way to address this issue. I will certainly put this forward to Lannocks and our strata manager as well as owners, so that we can give all owners the opportunity to pay their portion of the loan upfront. The only part I see as a difficulty is, as I understand it, that we cannot pay out a strata loan early without having to pay the interest that would be due on the whole amount if the loan went to term. The owners who do not pay a lump some may be stuck with paying the interest on the whole loan, because they will be paying repayments until the loan term finishes. Anyway I will take it to Lannocks and see what they say.