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Well a good broker has access to many different lenders, not just the 1. Qantas Credit Union is a fine lender, they do have their niches. However, the fact that you are cross collateralised is already a big red flag. Any lender worth their salt - broker or otherwise - just doesn't do this to...

X-coll means your properties are all securing each other which isn't great particularly if you are looking to make a big purchase.

First I'd restructure your loans as they look pretty x-colled.