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I know of no specific category of duty of care regarding a lender or broker explaining cross collateralisation to a purchaser. It is not like that of a doctor and a patient/lawyer and client where there is legal precedent that establishes a duty of care. The loan documentation would surely...

I don't imagine the bank's "broker" would be too keen on helping you as they are unlikely to make any commission on this. Don't forget the golden rule - its the bank's money and you must play by their rules. It seems their staff don't really understand their policies, so I would suggest you...