WiZDOM Loans – Cross Securitisation – 24th September 2025

In this webinar, you’ll learn how cross securitisation—often overlooked by investors—can quietly limit your borrowing power and jeopardise your investment flexibility. Andrew Kubenk (AK) breaks down what it really means when banks “tie” your properties together under one lending umbrella, and how this can work against your long-term strategy if left unchecked.

What You’ll Learn from This Session

1. What Cross Securitisation Really Means
   AK explains that when multiple properties are held under a single loan or secured by multiple titles, they become cross-collateralised. This structure gives banks control over all your assets under that loan, which can trap equity and restrict refinancing.
2. The Hidden Dangers
   You’ll understand how cross securitisation can create major problems—especially when selling, refinancing, or revaluing properties. AK shares how investors often lose control when the bank revalues the whole portfolio, not just one property, potentially freezing equity access or forcing unwanted sales.
3. How to Identify If You’re Crossed
   AK provides practical steps to recognise if your loans are cross-securitised—by checking your loan documents, security schedules, and titles. If more than one property is linked to a single facility, you’re crossed.
4. The Fix: Uncrossing and Structuring Correctly
   The key takeaway is learning how touncross your loanssafely. AK explains how to separate securities, refinance strategically, and work with the right broker to realign your structure. The goal is to ensure each property “stands on its own” so you can access equity, pivot deals, and grow without constraint.

Real-World Scenarios & Strategy

Through real examples, AK shows how investors can unknowingly sabotage growth by crossing loans early on—particularly with banks that prefer “all-in-one” loan setups. He also shares step-by-step strategies to restructure without disrupting cashflow, using staged refinancing and valuation sequencing to avoid costly errors.

The Mindset of a Smart Investor

Beyond finance mechanics, AK reinforces that smart structuring is about control and foresight, not just rates or products. The best investors think several deals ahead—aligning finance with their property strategy, future developments, and risk management plan.

Your Next Step

By the end of this session, you’ll know how to check if your loans are cross-securitised, how to fix it, and how to build a finance structure that supports growth rather than restricts it.

If you suspect your portfolio might be crossed, this webinar is your wake-up call to act now—before the bank’s structure holds you back.

Action Items

• Do a finance strategy review if you haven’t already.
• Reach out to Wizdom Loans (loans@Wizdom.com.au) or call 1300 WIZDOM to get connected with a finance strategist.
• Avoid cross securitisation by using separate lenders for your principal place of residence and investment properties.