When it comes to borrowing money from financial institutions, it all comes down to risk. The bigger your deposit in percentage terms, the lower the risk you present to the lender. Equally the smaller your deposit, the higher the risk you present to the lender. Therefore, the bigger the deposit, the better it gets… Let’s…

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Imagine you’re a mortgage lender and you’ve got thousands of people approaching you, all asking to borrow hundreds of thousands of pounds in mortgage funds – getting to know all of these applicants on an individual basis so you can decide who to accept and who to decline, just isn’t realistic… So what’s the easiest…

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