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Thanks for all the informative responses, really helped me understand why I should avoid xcoll. The broker got me a great deal, $1.4m loan on PPOR, at 4.62% 4 months ago before the rate cut, beating my other quotes by a mile. I guess I need to question everything rather than believing all he...

Sorry for the naive question - what's wrong with xcoll? Is it that all your properties are at risk if there is a crash? I'm looking at our first IP (will post a hello thread when I've time) - and my broker is saying i shouldn't worry too much about xcoll (we are with NAB). Thanks in advance