In particular we focus on getting the loan structure right the first time, choosing which lenders to use in the right order (yes this is important) and finally getting our clients the best deal possible.
Cross collateral
Cross collateralisation is the term used to describe when two or more properties linked together to secure one or more loans by the same lender. When you have loans cross collateralised, the lender in question is securing the total of all your borrowings with the combination of all your security.
The five main types of collateral are consumer goods, equipment, farm products, inventory, and property on paper. All can be used as collateral when applying for loans, provided there is a recognisable value associated with the item.
Learn MoreIf you have properties that are cross collateralised and you’re wishing to uncross them, the best method would be to contact us, and we can help you look at refinancing or restructuring each debt with the correct security.
Learn MoreInsist on stand-alone loans and securities whenever possible. Take out separate loans for each new home, using a home loan, line of credit or an offset account to cover the deposit and charges.
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