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  • They lend what you can afford to repay.
    Pre 2007 some might lend x. Not any more.

    Find out what they can lend you, work out how much deposit you have or will have when you expect to exchange, add them both together and there you have your house price range.

  • Sure, agreed. What I mean is, what they'll lend me plus my deposit is higher than the market value of what I want to buy. So I want to offer x+deposit, where I have a 85% LTV. Should be fine right?

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