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Do you really trust the bank to set it up for you correctly now even though they have given bad advice up till now? Seen plenty of clients ask for a non-crossed loan only to find out when docs are issued that they're crossed after all!

STOP. Even putting aside the stamp duty or spousal sale question, there is no such thing as '100% finance'. What the bank is doing is taking the large equity in your PPOR, and using that to secure the new property. Now the bank holds both your securities under a very inefficient structure for...