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Aware of 1 lender that will do 100% loan & 10K unsecured on a visa card charged at home loan rates. Also 1st March is the new shared equity scheme being released. 80% loan and 20% with NO interest charged whatsover but you share some of the profit or loss when you sell.

There are 1 or 2 Commercial style lenders who do still advance on residential securities and lend against valuation rather than purchase price. In saying this you have to ask yourself I am better off with 106% of purchase price or 80% of valuation. Guess it all depends on the market but i...