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In these days when all the properties are going for ‘offers over’ it can be difficult to get the property that you want, if you do not have sufficient savings. As long as you can comfortably afford the monthly payments, it may be possible to obtain a ‘mortgage’ for 125% of the property valuation.

If you already own a property, you may also be able to remortgage up to 125% of the valuation of your property, perhaps to consolidate debt.