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First Permanent Financial Services offers up to 106% lending for both owner occupiers and investors. 106% is the maximum LVR based on the lower of valuation/purchase price and after fees/stamp duty etc have been capitalised. Cross-collateralising is not required, no additional equity needed.
Personally, I am not aware of any other lenders lending above 104% without using additional security.
Jacqueline Moysey
Relationship Manager
First Permanent Financial Services
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