Hi everyone, I've just recently joined and have spent a few hours being educated on loans. Thank you so much for such awesome advice. Hubby and I have a PPOR and an IP (was previously a PPOR). I only realised that they have been crossed collateralised. This term was not mentioned when we first signed up for the loan and it's only after reading this forum that I realised it's not as straightforward. The IP loan is now variable (fixed term of 2 years is over) and the PPOR loan is variable with an offset. I am considering changing/refinancing the loans for both properties as we are currently paying relatively higher rates with a credit union. Questions: 1) Any recommendations for a mortgage broker in SA/Adelaide? 2) I also read that it's not necessary to have a broker in the same state. However given I am a newbie, does this create some confusion especially if trying to explain loan options over phone/email? 3) Uncrossing and then refinancing with another institution. Will it be a hassle? Many thanks!