Richard,

Could you please explain a loan structure where you use the equity of your PPOR to purchase an IP without X collateralising. Do you mean take out a loan with another bank and use a redraw or LOC from PPOR to fund the deposit for the new loan?

If this is correct can you still do this with the same bank or financial institution  without X Collateralising.

Probably from my questions you will see I have a very limited understanding on how to not X collateralise.

Would be very interested if you could clear the fog from my brain.

Cheers

Dave