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If its xcolled, then yes they will always value (either desktop or full) all the securites the loan is secured against. If it isnt xcoll, they generally wont value the other properties, unless the assessor wants for some reason to double check your assets and liabilities (which they can ask for...

Further to discounting and MB's, many banks have a pricing area where large loan amounts can get discounts on rates or fees etc. both staff and MB's have access to this. There is no evidence to suggest Staff loans are any cheaper to originate than MB's loans, so there is no reason why the bank...

80% is 80% xcoll just seems easier to get into, much harder to get out of. I still havent been given a good example of how one lender can do things 3 or 4 lenders cant. Some examples of the benifits of xcoll might be; increasing the LVR over a diferent security, ie lending 80% to a...