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[quote][i]Originally posted by John[/i] What has need got to do with anything? I've got 4 bedrooms, a garden and a garage, I certainly don't need them, I wanted them and have the means to get them. Most new buyers will probably take it out over a longer term, fully intending to bring it down to something more reasonable after the hard bit of the first few years has passed. If you need a spread sheet to work out that the interest is loaded at the start you've got problems. [/quote]
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