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I don't really want to go into it here, but we're remortgaging with the same provider so their assumptions are the same as when we bought the house 5yrs ago.
We used a broker. Well actually the broker we used first time around called us up and did everything, which with a little baby and work suited us fine.
hugo7
hoefla
Hmm, my LTV is lower but I'm not getting rates that low. Is it affected by your income? Eg higher income lower risk so better rate? Still going to be half the rate I'm currently on though!