Plans have already been completed a few months ago, and were approved by the city council three weeks ago. As mentioned - I've got a friend who is an architect (he qualified last year) who drew it up, civil engineering was done by a local firm. Should a (serious) investor wish to confirm that it can be arranged, but there is a fine line between transparency and providing enough information to enable identity theft. I will not dish out documentation willy-nilly. And, to be brutally honest, if half-way through the project I decided I wanted to reapportion the funds used and take a stack of cash and create a Scrooge McDuck pool I should be entitled to that - it's a personal loan, after all, and the key here is establishing that I can pay the funds back without "ASIC mining" or "awesome business idea that will definitely make money".

In terms of collateral, there would be a contractual stipulation allowing the money to be legally recovered from my home loan in the event of a default. I cannot allow a "lien" to be registered for two reasons: the bank does not allow liens on property for which there is still an active home loan, and local law does not facilitate liens (it does allow a bond over the property to be registered at the Deeds Office, but that is ill advised and in any event would break the bank's terms and conditions). The bank does, however, allow me to use my home loan as collateral, and the legal instruments for recovering those funds (even for lenders overseas) are well established, relatively cheap, and easy to enforce.