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Reply: 2.1.1 From: Michael G Mike, No, there are ethical wrappers out there, you can still find finance, it just takes more effort thats all. Put it this way, if someone's prepared to lie to their own lender, how the hell do they expect to be treated by their wrappee's? Do unto other's as...

Reply: 5 From: Michael G Nigel, Great read, just would like to add that this goes for wraps too. The big banks have made it clear they don't like wraps. Some lenders are fine with it. Best advice I got was use a broker, disclose everything to them, let them sell you to the banks if need be...