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Reply: 1.1.1 From: Rolf Latham Hi Watto Normally, xcoll does NOT improve your service position. Indeed it can even hurt you badly of there is marginal equity in the deals. For example an owner occupied refinance at 360 k for 90 % of 400 value and a separate IP purchase at 95 % with LMI at...

Reply: 1 From: Rolf Latham Hi Jim No they would generally not be xcolled, especially if you put the IP with another lender. Portfolio is a good product. Similar products are available for example through Westpac Premier Advantage Package at up to 0.7 % less. Ta Rolf