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a pro pack is a professional package. Where the bank wants all of your business, they will wrap up all the fees, and package them in one annual fee. The advantage is you dont have to pay an application fee to add more properties to it, there isnt any monthly fees, they may give you discounts...

I guess its about finding out what it is you want to do then. If I had a client who said they wished to purchase 1 IP every year for the forseeable future, I would recomend a pre-pack to start with, then when serviceabilty is reached with that lender, take ot one property at a time with another...

I suggest having a chat with a mortgage broker. Not xcollateralising is important further down the investment track, but can be cheaper and more efficient in the starting out phase of property investment. It really depends on your circumstances and plan for the future. In the end, if you are...