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I think OPs alright with guarantor long as the banks are. And wants to make sure can do more then one if possible. I've had one parent use same property for both children. One was IP and other IP. And also for the one that purchased an IP another guarantor was given to the same child to...

Happy New Year also, back on board after 4 weeks holidays... Not easy :) I have never shown calculations of the existing debt. I've made comments that they could afford the guaranteed amount and existing but never gone to the length of showing and service cal. In some cases haven't even shown...

CBA no problems taking 2nd mortgage over another big4. Guarantors are pretty hassle free in terms of not required to seek specific legal advise although its recommended. LVR <80% Also shouldn't have problems with more then 1 property long as the LVR is <80% and you can service the debt...