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most would say a rareish example............ reality is otherwise. not many have the courage to report it ta rolf

Sometimes its possible Often its no more possible than unscrambling an egg especially where higher LVRs or fixed rate loans are involved ta rolf

Most bankers, and most mortgage brokers dont know any different, it is how they have been trained. Its called "obtain maximum contribution" ta rolf

Further to Terry's excellent logical and factual post............ non xcoll AND using different lenders buys you time, sometimes only 90 or 180 days, but the difference can be HUGE. The space between mortgagee auction, and you selling when you want to, to whom you want to can mean the...

yes, but.................... xcoll where not needed is like letting the ATO do your tax planning.................. For normal ma n pa resi investors Xcoll makes no sense at all for the borrower, and "i had to xcoll" is usually but not always a defensive emotional response to an obviously...