Hi Nick,
It is kind of you to address me as Mr Camel when Sir Camel would have been sufficient.
Jokes aside.

While, I admire your positive thinking but in life we have to reconcile between positive thinking and realities on the ground.

No way will the Banking change in Morocco between now & next year. Morocco has taken the French Banking practises and try to obtain a mortgage is France is a nightmare, until you are in employment, your children have flown off and you have paid off your main mortgage and your mistress is not costing you too much.

If you are self employed, you dont even try. I wish you luck but if you insist on equity withdrawl my sincere advise would be not to rely or committ yourself to the next transaction.