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Hi Carl Welcome , and there are always at least 2 ways of looking at things, always like to chat about this pet thing :) Different lenders assess their own debt and the others debt at say PI at assessment rate. Other lenders may assess the other lenders at actula ( IO at current...

Hiya With WBC its not as bad as it is for eg with NAB. WBC generally dont ask nor force xcoll, and if your on the pro pack the vals come free anyway's. Id be looking to break it up as required when doing another deal, rather than breaking it up just to break it up, since this will...

Hiya Im not rubbisihing your broker. I dont know your personal circumstances well enough to comment, very much general advice only. What lender are you with also has an impact on the seriousness of this stuff, who is yours and have you paid lmi on any of your loans ? ta rolf

Hiya Im no finance guru, but will strongly suggest (and at the risk of repeating myself myself:) that whenever a banker suggest that something isnt a problem in regard of equity contribution, that one takes this with a grain of salt, just as one would taking advice from the ATO on minimising...

Hiya BC You can have both loans with the one lender without having them Xcolled (xcept some that have it as a policy). Weakened position alos must take into acct no bargaining chips left, like when you are xcolled, it can be slow, painful and sometimes impossible to shift them The ATO will...