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Because people in general feel more comfortable talking to a bank manager at a bank rather than an independent broker, even though the broker sells 30 different lenders while the bank manager only has one. I can understand this due to the branding and in sales, perception is reality. Fortunately...

Sure, sounds fine. Honestly I would fix the cross-collateralisation BEFORE you go for the build. Imagine if you fall short of funds during the build....how are you supposed to get finance then? Do it beforehand. A cross coll of 6 properties is a nightmare to untie at the best of times...