Brendan
The clear message coming from the banks is that they will simply not entertain a PIA or DSA from a borrower who is only exposed to one bank. They have no wish to pay the fees of a PIP, and to comply with the cumbersome Procedures of a PIA/DSA. In such cases the bank's clear preference is to negotiate directly with the borrower. Accordingly, many people will not have the option of choosing between a split mortgage and a PIA/DSA.
Jim Stafford
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