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and I forgot a more common one - equity release against multiple properties very common and very necessary.

1. what if you don't have a PPOR 2. what if you don't have an o/o related mortgage 3. what if you are converting the current PPOR to an IP and don't want to pay the mortgage down? instead you want to spread the offset against multiple properties. 4. on top of the above - what if you have...

plus you can only have 2 linked offset accounts per client which is bullocks.