Hi Wayne and Phillip, first of all, welcome to the forums and I hope you get heaps of information here. Secondly I suggest that you keep your questions short or break them down into different topics. I think this will be more beneficial to you as others may be hesitant to answer as they may feel that they may not be qualified or experienced in answering all of your questions in the post.

How about we keep this topic to Freehold or Leasehold?