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@laner
wow, it is a shit as i thought
"Staircasing payments can be made at any time and must be a minimum of
10% of your home’s prevailing market value – whether that value is more or
less than when originally purchased. You may wish to check any additional
criteria with your current lender.
An independent valuer must provide a valuation of your property and you will
also be responsible for the associated administrative cost. Enquiries about
administrative costs should be made to the Post Sales HomeBuy Agent. "