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They think about your revenue, outgoings, debt and credit score historical past before lending to you. If you wish to port your mortgage, you should reapply for the mortgage you already have. Using the same numbers from our earlier instance, let’s say you have a $200,000 mortgage at 2.34% curiosity, with 36 months remaining in the time period. You want to borrow a further $100,000 for home renovations and to consolidate some bank card debt. Mortgages often have transportable clauses, however these clauses aren’t common in the U.S. This is when the borrower
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