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Perhaps a disclaimer: " Previous ability to obtain certain credit terms or arrangements should not be taken as evidence of a future ability to obtain those same credit terms or arrangments";)

I can say with a degree of confidence that you're not quite on the mark with this one. You may also want to consider the potential impact of the new National Consumer Credit Reform Package.

Ancient banker's saying: Your First Loss Is Your Best Loss ;)

Bank B views the 20% as borrowings that are another bank's problem if the deal goes pear-shaped. They will also assess your ability to pay inclusive of the 20% debt. It's seen as borrowed capital Equally, annuity income from cash bonds is viewed for what it is ...short to medium term...