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  • Profile photo of GatoGato
    Member
    @gato
    Join Date: 2006
    Post Count: 1
    January 29, 2010 - 6:27 am
    Terryw wrote:
    WJ wrote:
    Hi Richard,

    I've only read it in the book and I didn't understand, thus the post.

    Could you give me an example of a correct structure of loans vs a risky one?

    For example if I have one primary residence and three IPs, what would be the best way to structure the loans as to avoid cross collaterialisation? What are the risks involved with cross collateralisation of loans and how to manage such risks?

    Best way would be:
    PPOR
    Loan A, main loan, with 100% offset
    Loan B, separate loan used for deposits for investment property

    IP1
    Loan C, IO loan.

    IP2
    Loan D, IO loan

    etc

    Hi all, sorry to hijack the post. I am new to property investment too.
    Is Loan A, B, C, D have to be from diff bank? or just different loan account within the same bank ?
    Am I able to confirmed that I am not CCing just by checking my account number ?

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