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They are still quite pedantic in waiting assessments for IO extensions - so best to get new 5 yr extensions on all properties being uncrossed to give you plenty of room. If this is an ongoing issue, you could look at your alternatives with moving your loans over to another lender who will allow...

At such low LVR's uncrossing won't be an issue if the servicing is evident. Simultaneous applications can be put in place to restructure the entire NAB x-coll'd section of your portfolio, whilst adjusting any other maintenance issues you may have (if you want an IO period, product switch, equity...