A method according to claim 6, wherein the interest rate on the second, interest only loan is calculated as follows:

monthly interest payment = P *(a/b)*(x /12) where:

P is the principal amount provided being the second loan;

a is the property price index for the last day in the calendar quarter which has most recently passed for the area where the property is located;

b is the property price index for the last day in the calendar quarter which was immediately before the day of purchase; and

x is the market rental rate (expressed as a percentage per annum yield on the value of a property) for properties of like type and condition in the area where the property is located and less 2% (or such other percentage as determined appropriate from time to time) provided always x shall not be less than 1.5%.