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2026-04-16 11:17:51 -

Some lenders prefer you to be a client already to get a 95% LTV (5% deposit) mortgage but the interest rate would be higher. Another option is to have their parents as guarantor. However, being a guarantor is a big commitment because they'll have to provide enough security to satisfy the lender, such as savings or their own home. The 95% LTV mortgage option is ideal for young couples...

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