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Whilst I agree with the sentiment, and they certainly are risks associated with x-coll, technically speaking this isn't true. X-coll neither reduces nor increases how much you can borrow, nor does it change the number of investment properties you can buy. What it does is it takes away your...

The odds that the bank will take multiple properties that are cross collateralised is extremely low. I don't believe I've ever seen this problem occur. The problem with cross collateralisation is that you give all control of your finances to the bank. Instead of being a finance provider, they...