You will have to make up the remainder with your deposit
Of course you can deal directly with the banks, I dealt directly with EBS & found them brilliant .
One word of warning with EBS, they do not publish their fixed rates for existing customers so you could be offered any rate.
The heading to this question is "First Time Buyer", so this is irrelevant.
Are you sure about this? If you're adding value to the house to bring it back up to the market value, why wouldn't a bank loan at least some of this - maybe not 90%, but perhaps 50-70%??
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