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Tasksta, I love your comment "I'm still in sponge mode",excellent view to take your time and soak up the forum expertise. Just plot out some mini goals that you can commit to get some traction towards your investment plan.. Coota

Get a Broker...like now Tasksta, You need to sit down with a broker and map out a bit of a borrowing plan with your current available income and equity to work out what your serviceability is and what you would run out of first-deposits or serviceability before you move forward.. Brokers...

Rolf, All the brokers attached to her business preach X-Coll loans....maybe they don't like the extra work applying for seperate splits with loans..:D Coota