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defence loan............so keep the PPOR loan at NAB and clean up the rest. Not hard to do ta rolf

Another obvious one is u want to convert the current poor loan to io if you are going to make this an IP long term Nab may do that for you, but you need to have a good case for them Ta rolf

It would be a rare Res I deal that can't be put together without xcoll. But xcoll in isolation won't be your problem. Reality is though your convenience and perceived comfort with nab will be your long term limitation and possible undoing...... assuming u want to grow a bigger portfolio...