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i'll be speaking to a mortgage broker to help me with this for sure but in the mean time i've read chapter 10 of m lomas' book which advocates having 1 LOC with sub accounts to handle the various IPs as well as the PPOR. this effectively is x-coll correct? however, the benefits she outlines...

hi Terry all properties except no. 5 is held by 1 bank but different loans as numbered above.

hi all wondering if i can get some advice on my serviceability and financing structure. here's a brief of my situation. 1. property 1 (PPOR split account 1) & property 2 (split account 2) are x coll, yeah i know it shouldn't be done but i was naive back then. value $1.235m owing $680k...