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Ms Jade, Actually the plan here was to have all loans with one lender in order to get the maximum rate discount, and then a further rate discount based on the overall portfolio LVR being <80%, for this particular lender. But... by doing this without formally x-colling the portfolio, and...

Hi there, Is there any advantage in having your loans assessed by one lender on a "portfolio basis" with respect to interest rates and LVR's, but with individual loans being kept separate... versus formally cross-collaterilising them? Thanks.