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Reply: 3.1.1 From: Rolf Latham Hi Ric Where you have more than one property, instead of you paying a deposit for a loan on an IP, the bank takes a "collateral" mortgage - usually second mortgage on your first property. This usually results in greatly reduced flexibility and an excess of...

Reply: 3 From: Rolf Latham Hi Fernando An all too common problem. No knowing the full breakdown of your current situation it is difficult to assess what the cause may be. If you have a small wage then it is possible that "too much" of your income is coming from rent. Some lenders do not...