The debate about whether investors should cross collateralise their properties, or keep all of their assets on a stand-alone basis, has long been raging - so which of these strategies is right for you?

Cross collaterisation occurs when your bank or lender offers you funding against the total value of all of your property values combined. If you have three properties with one lender, they would 'cross' your loans so that each loan is secured by all three properties. So by cross-collaterising your properties, you are effectively grouping them all together.

Cross-collaterising has benefits and drawbacks, and attracts fierce critics and strong proponents. We have highlighted the pros and cons of this type of purchasing structure, so that you can consider whether cross-collateralisation is the right decision for you in the latest issue of Your Mortgage magazine out on sale now.