PropertyInvesting.com | woolies2122 | Activity https://www.propertyinvesting.com/members/woolies2122/activity/ Activity feed for woolies2122. Fri, 03 Apr 2026 12:54:53 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 b217434c6f14267c241e74f07e957669 woolies2122 replied to the topic Fully securing Investment Property with PPOR in the forum Help Needed! https://www.propertyinvesting.com/topic/4409568-fully-securing-investment-property-with-ppor/#post-4692416 Sun, 23 Jun 2013 02:52:24 +0000 Thanks Terry for pointing my mind towards these issues. Yes, hasnt considered these points.

[/quote] There are a few issues you haven't considered. I am assuming the owners of both properties is exactly the same? ie mum/dad own PPOR and mum/dad own investment?

Woolies2122 – yes, the PPOR is owned jointly by myself and wife (that ownership type…[Read more]

]]> a7bfef0ed99436a30ad0d2283a704984 woolies2122 replied to the topic Fully securing Investment Property with PPOR in the forum Help Needed! https://www.propertyinvesting.com/topic/4409568-fully-securing-investment-property-with-ppor/#post-4692413 Sat, 22 Jun 2013 09:17:29 +0000 Hi Richard – actually it is my intention that the PPOR property is used as security for both loans (original loan to buy the PPOR 2 years ago; and the new one to acquire the investment property). By doing, the investment property title is not mortgaged to the lender bank. Earlier it was asked why I chose to used the PPOR as collateral for both…[Read more]

]]> 8a81b329683d887c46a5760e465198c7 woolies2122 replied to the topic Fully securing Investment Property with PPOR in the forum Help Needed! https://www.propertyinvesting.com/topic/4409568-fully-securing-investment-property-with-ppor/#post-4692407 Tue, 18 Jun 2013 12:36:37 +0000 Thanks Jamie and Derek. 

Yes, it is cross collateralising the PPOR loan and Invt Property loan. I came up with this because this allows me to keep the investment property title unencumbered. Another way of seeing it is that the bank is not over collateralised. The alternative to this structure is a 3-loan:

loan 1: PPOR loan of 230k, secured by…[Read more]

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