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Understood. Cheers.

Sorry, my post was not very clear. 1. Deposit goes to the REA. 2. you arrange finance for the max amount you can borrow. 3. Deposit is returned to you from the REA account. Would it work in that case? (assuming the vendor and REA agreed of course)

Would it be possible to pay the deposit and then have it returned at settlement rather than transferred to the vendor? That way the loan could be for the full amount instead of the amount -deposit.