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x-coll is shorthand for cross collateralisation. It's the practice of tying all securities together for the lenders benefit. This can cause problems and inflexibility for the borrower, especially if selling/equity access/valuations. The same results can be achieved without x-coll, but...

Hi Bentley, As you have mentioned, there are a number of banks which have moved into the no LMI medico field. These can be written by both brokers and bankers, to the same affect. ANZ's waiver only recently came through late last year. If you go direct to branch, be sure to avoid the...