Hi,

Firstly thank you so much for all your advice however I just wanted confirm answer 4.

Does that mean that I should for the time being in order to secure my property ask the lender to only borrow the 10% first and then a couple of months before the apartment is due to complete, I then go and start searching for a lender to borrow the rest because by the time the apartment is due to complete, I should be able to have the rest of the 10% for deposit.

Thank you.
Jennifer