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Cross collateralising loans means having one loan secured by 2 or more properties.

The process should be simple. Just ring the bank and ask for a substitution of security. If the existing valuations are less than 12 months old it may be done without a val, if more than a valuation will probably be needed. You could do it later, but better to do it now. Imagine if your...

I would say it is better to uncross now while you can. I am doing 2 client uncrossings now, one with 4 properties and 1 with five, including a fixed loan which is over 80% LVR - which makes it tricky. I have heard of 2 stories where retirement plans have been absolutely ruined because of...