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Great point Brady, that is very true. Given that most of my initial clients had their first loans sourced through a bank where they felt dissatisfied with service (haha no surprise, none have been from CBA to date), its likely my evidence is skewed greatly by your point. I'd never thought of...

Haha my experience with bank brokers are a bit hit and miss. Sounds like your one did you a great job. The bad ones seemed more focussed on selling me insurance when I wanted a home loan. I guess the same goes for actual brokers too. I've spoken to many of the brokers on here and by my...

Hey k88k, Taking it up a step, crossing just means you've used multiple securities to act as collateral for the one loan. In your case, if you had crossed your loans than you'd have used both of your investment properties as security for the purchase of your second IP. Going by your...