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CBA is ok with that at 80 % lvr, somewhat not so at 90 ta rolf

well no id say your broker isnt quite with the CBA options, but then I dont know the ins and outs of your needs and resources 5.9 as mentioned is rack Paying 400 a year for a mortgage advantage pack ill bring the rate down to 5.40............ If it has to be CBA, due to...

at 87 % current LVR retentions should be smart enough to let you walk................ new LMI at 87 % with a new lender id guess is worth a fair bit more If you are crossed as well............. then you dont need magic but a miracle ta rolf

If my clients insist on best rate, CBA isnt the place to be. You can have service, quality or price choose any 2 ta rolf

unless its CJ, where its rebated anyway :) ta rolf

Pretty much. Over time though the existing lending may come across to the new broker in dribs and drabs as one does equity pulls, IO renewals etc ta rolf

sad thing is that they are both correct In most cases, there is more hassle and risk to do things properly from the start. Ip1 to x are easier with xcoll for the bank and the broker 90 % of the time............... Intuitively, Like most things in life, when the foundations are based on...

pls do see what they come back with ...................... I fully expect it can be done the right way. if you get limited feedback, give Jess who posted above a call, I know she knows why xcoll isnt much fun for borrowers long term ta rolf

perhaps If you have the equity to cross, one usually has the equity to use a separate equity loan. Its quite rare that xcoll is the preferred Borrower option. Some reasons as to why xcoll isnt that great. this post os 10 years old and there are additional reasons these days to avoid...

Depends a little on Lvrs and splits. 4.6s aren't uncommon Ta Rolf

which means 2 things 1. In most circumstances, youd not want to move lenders to reuse the lmi for future equity pulls/ debt recycle 2. The bank knows same, and usually wont price as aggressively to retain. CBA especially is all over the shop with > 80 % pricing ta rolf

perceived LVR and capacity to move may make an aggressive chase unproductive Have u paid LMI ? ta rolf