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Downsizing protection means that if you choose to sell your home and move to a smaller property you can repay the loan with no early repayment charges.
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Although it's a myth that a 20% down payment is required to obtain a loan, keep in mind that the higher your down payment, the lower your monthly payment.
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When this interest-only period ends, your monthly payment amount will raise substantially with the inclusion of both principal and interest payments.
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There are some lenders who will let you release equity from your home to buy an overseas property and many that won't.
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