Mortgage Provider

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How does a mortgage provider make its lending decisions?

A mortgage provider bases its lending decisions on several key criteria: the value of the property, the risk involved and whether you will be able to cover the repayments. It's important to be honest with the lender so that you don't borrow more than you can afford.

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When you apply for a loan with a mortgage provider, they will decided whether or not to lend you money according to several criteria. The value of the property is key, and a mortgage provider won't just take your word for it. Any lending decision will be subject to a valuation by one of the provider's approved surveyors. The valuation should reassure the lender that you're not borrowing more than the property is worth and that the property won't fall to bits within a fortnight.

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