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Just got back from holidays yesterday, thanks for input tobe. Was expecting from dazz but was response I expected regarding commercial. All of the business bankers I know all look to x-coll more so than bankers. That's fine gets the deal done, but I think it would be in the clients interest...

Dazz if I wasn't just looking at SS between swims and drinks in Koh Samui at the moment I could write away of the reason not to x-coll. Please tell me how having your portfolio x-Coll has helped you over not having it crossed, that might save some time.

OP long story short don't x-coll if you wish to build a large property portfolio. There are so many reasons why you shouldn't x-coll and really the benefits of doing it are pretty much none existant in my mind.