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Hi JB You do not have to 'switch' lenders - just give the current lender a rest for a while and pursue the slightly greener grass on the other side of the fence. CBA have an interesting serviceability formula. They are a good lender to start of with, get all the bells and whistles set up...

G'day Kathryn, you are working with Canadian tax law, are you not? Also, in Australia the vendor of the property is not lending the money to the purchaser and in most cases there is no mortgage protecting either parties interests. In Australia, blaster will be required to pay tax on the...

G'Day blaster Take on Vendor Terms at your own peril! I know of no lender which will take over a Vendor Terms Contract, so unless you want to be paying 'vendor terms' for the next 30 years just don't even think about it! And, unless it has escaped your notice, you don't actually own the...