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We have also seen greater product innovation in the market place with a few lenders bringing out specialist products to help first time buyers get on the housing ladder with help from parents, this could be in the form of a deposit or by using income.
Buy to Let mortgages are also still plentiful and again there has been a great deal of innovation in this area to help clients make the new calculations work. Some lenders will now take personal income into account to make up on any shortfall in rental calculations.