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I can understand that bit, but if you're making plans for investment you might want to think about a family trust. Really thinking ahead but it's likely that your children might have no income for a little while after they hit 18. That's a tax gold mine. It's unlikely you can use super for...

A lot of different issues here, but: Cross coll still happens, but only if you let it. Just because one bank holds all your mortgages doesn’t mean it has to be cross-colled. However, if you’re not comfortable cross colling and/or moving all your loans to ANZ, don’t. I don’t see why you need...