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Cross collateralisation is generally irrelevant to serviceability. It might influence a decision if the deal looks risky, but if you don't service with only 1 or 2 properties in your portfolio it's not going to help. The CBA usually isn't one of the more generous lenders out there either. If...

Which lender? Borrowing capacity varies from one lender to another and the big 4 usually don't have the best serviceability. It also changes from one person to another as everyone's circumstances are different. The only practical way to get an understanding of your options is to speak with...