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Despite my previous encouraging comments, there are some lenders still considering 95% loans with non genuine savings. The are really hard to qualify for, but they do exist.

I know the RAMS branches were still doing them about 6 months ago. The clients I referred there all managed to fail for one reason or another though. One client failed on the valuation. It came back at 420 instead of the purchase price of 450. Four weeks later he'd managed to save another...