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Don't forget it's in the interest of potential purchasers that house prices fall
Hi Tommy - While not questioning the substance of your point, I think you need to go back further than ten years to get back to the auld ways. When we got our 95% mortgage ten years ago, we had a number of competing offers from financial institutions with which we had no track record or family connections.Remember 10 or 15 years ago when good Irish properties were ridiculously cheap. The reason they were so was because it was almost impossible for many people to obtain mortgages - many banks would only lend to people with a long savings track records, or to people known to them via family connections etc.
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