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Reports show that many lenders are now only offering their best rates to people borrowing less than 75% of the property's value. First-time buyers would be well advised to ask their parents for help with building a deposit and put down as much as possible. On the other hand, those who are remortgaging and have savings may need to plough some of them into your mortgage to reduce the LTV. According to industry sources, first-time buyers who typically need to borrow a higher proportion of their property's value than remortgagers, are currently finding that good deals are more difficult to secure than ever, with many 100% loans disappearing in recent weeks. land loan unimproved loans personal bad credit 10000 auto loan usa in seattle washington guaranteed approval bad credit loans mortgage loan application pdf