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in QLD at least there is some form of disclosure in the PAMD 27 forms Most often you dont know, until the the val comes in short by a long shot. This is where its important to Do NOT cross collateralise,and let the NRAS loan stand on its own security to the max lvr that you intend and...

More so, since you have a couple of layers of complexity and marketing that can get in the way which is why its best to really have a GOOD look at who is selling you "the item" and what level of marketing fees are there along theway. 1 to 2 % to a marketing agent isnt going to make or break...