Hi I have shifted to all but 2 loans to no doc loans.Spread over 4 lenders.My broker places loans across the 2 mortgage insurers as they have a ceiling each at 2.5 mil.no doc or equity lending doesnt require to show income.I use 50 -60% and stamp to 70% of sworn valuation.The balance I use as service buffer.My aim is to borrow at least 100% plus…[Read more]