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How illegal is it.....
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[quote][i]Originally posted by RichR[/i] I would think so; so long as you can qualify for the £102,000or less I'm guessing you've got left to pay. The mortgage lender will take the figure they obtain which in my experience aired on the higher side of the estate agents figures. Then its down to what you earn, I was offered 4.5x my salary at the time but in the end only needed 3times as I was limited by the 85%LTV. Essentially although I was allowed to borrow £150(ish)k; because of the value of the house, I was limited to borrowing £102k which was 85% of the vlauation fo the property. You should be able to secure upto 4.5x your salary if that will cover what you owe. [/quote]
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