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For example, if an individual is requesting a £100,000 loan and the property is appraised at £150,000, then the LTV would be 66.7%.
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Remember, lenders, use the age of the youngest applicant when working out how much you can borrow, and your associated interest rate.
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This can certainly seem advantageous if you want to keep your financial obligations low within your lifetime, but there can be disadvantages too.
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Often these elements are not working well together and result in people paying more unnecessary money in taxes.
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