bought in 2020 … value of property has increased 50%, land value has doubled - which helps if i need to refinance as the amount owing is less than 80% of the value so i get interest rate discounts. I border a new-ish estate of mcmansions but i have double the block size. If i had some significant cash behind me i’d knockdown, divide the block and build 2 homes. but i dont, but i can dream. i’m happy… not about interest rates but it’s for the future/kids