Originally Posted by
Chris the Robot
...for the past decade whilst I've been saving up so the modular route is an option. I'm in a position now where modular is just about affordable without debt
A decade??? You must have some serious distractions but well done for sticking to it. I still assert that a motivated, non-smoker, non-drinker with no kids could achieve a fATPL in 2-3 years starting with no money and using 50/50 borrowing and saving.