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If you are looking at a 80% IP loan an dont require any frills then wholesale or non bank lender might be the way to go. Few offering no application, valuation fees etc and attractive rates without any ongoings.

To be honest whislt it might sounds nice and flowery most lenders and Mortgage Brokers have a pre-formatted application form and will merely want the information to be able to assess the deal. Of course as a Broker supporting documentation upfront certainly aids the application and helps in...