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Reply: 3.1.1.1 From: Paul Zagoridis One point I'd make as well Yuch, is I do not try to be cheaper than banks. I'm not John Symmonds trying to save you, I don't have access to securitised mortgage funds at NBFI rates. I provide a service at a premium. I don't charge paycheque advance rates...

Reply: 4.1.1 From: Paul Zagoridis Colin's post ticked me off, it's a good thing my work connection killed my first reply. Colin at what rate would you lend money UNSECURED to a bad credit risk? That is effectively what wrappers do. They own the underlying property to start with, they lend...