best way to go about it, page-3

MF
As you suggested, have a house as collateral does make it easier.
When I got one, $80k, one of the 'pillars of banking' wrote it up as a Home Investment loan, and even game me a 3yr Economiser variable rate! Mind you, this was in 2007, pre GFC.
In mid 2008 I wanted another $50k and they wrote that up as a Viridian Line of Credit. With this loan they were willing to go higher, I said 50 was plenty. Prior to papers being finalised I ask them to up it but they said criteria had been tightened, no can do. I guess the awful truth about the GFC was starting to emerge.
Also, with shares, they 'acknowledge' them but you would be lucky for them to put a 50% surety. When we upgraded our home and I listed the shares as an asset they weren't too interested, and they were bluechip.
Sorry it's not the help you were seeking. Just pointing out that they would lend you a million bucks on a piece of inflated bricks and mortar but are careful about speculative collateral they can't physically hold. Which is understandable. Just my opinion, not advice.
Good luck and I hope your successful. ;)