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XCOLL is usually a purphy Hi Y33 Because 9 times out of 10, the deal can be done without xcoll in the first place. This one is a possibly an example. The only seeming benefit here is for the broker ( one less deal to write same comm) and the lender ( greater "contribution") If I just...

Hi Mick Xcoll doesnt increase the LVR potential per se 80 % lvr is 80 % lvr regardless if the places are on 80 % stand alone loans, or they are crossed. In fact this time round xcoll can get in the way, because the property u already own you can likley take to 90 %, the block of 4 units...

true, but have a look at what Rob would do today :) ta rolf

Hiya depending on some issues( mainly who u are employed by and your evidence) it may be possible to get to a 90 % lend on the existing properties (with the other owners permission and them also drawing their share of equity) and an 80 % lend on the 4 units on the one title as a struggle...