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Hi brady, X-coll was not discussed. I know its not 'luck' regarding the setup, i guess i didn't fully understand x-coll till i am here on this forum.

Just checked her business card. Her title is 'Retail banking, mortgage innovation', the loans are with one of the big4.

Ur assumptions are correct, i went via a broker that worked for a bank. Luckily she set up my loans correctly (not x-coll) In the near future, the next broker will definitely be in this forum!!!

Thank you for your quick response Kesse!

No new contracts for IP1. (Should there be new contracts for IP1???,to assist to obtain LoanA for IP2)

For IP1 The Security is registered mortgage over IP1. (IP1 was my very first investment property, i saved for the deposit)

This is what is states: LoanA - Security is registered mortgage over IP1 LoanB - Security is registered mortgage over IP2

Loan is a 'Investment Home Loan' Not a line of credit. So this is still not cross collatorolized?

I believed at the time it was correct, but somehow after reading many posts above cross coll, it got me thinking/doubts i have. LoanA - Security is registered mortgage over IP1 LoanB - Security is registered mortgage over IP2 Regards, k88k

Hi Guys, I just want some re-assurance that my current setup has not been cross collatorised, please refer below and confirm. IP1 (current value $750,000) Purchase: $530,000 Debt: $145,000 Offset: $145,000 IP2 (current value $750,000) Purchase: $746,000 (bought last month) To fund this...