To Gerry O'NEILL and Dave re leaseback/credit-bail
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Thank you both. The referenced article was very complete and answered my question fully. I had heard of such systems but out of hand had dismissed them as entailing too many drawbacks.

Also I was quite amused by the phrase:

"On average a yield ranging from 2.5 per cent to 5 per cent,
guaranteed income normally paid once a year ... "

2.5% being one thing and 5% quite another!!! In my meager experience I would surmise that the companies which guarantee the higher figure are also those which stand up less well under scutiny.

As you said, nine years is a long time! Look no further!

Neustria