Thanks a lot everybody for their posts..it was very helpful.. Shahin I was looking at units rather than houses at this point in time. @xdrew, thanks for the detailed response. Will take on board all your advice.

Hi all ,

thanks so much for your input..I really appreciate it.

And Jamie thanks its good to be on board.

If I ask the bank to not cross then can they still do it without my knowing. I suppose my question is how do I ensure that cross co-lateralization  doesn't happen? Is it in the documents we sign?