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Halifax product transfer and borrow more- advice needed please!
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Hi we don't need planning permission as it falls under permitted development. Also a lot of the work is internal stuff so more building regs than planning. I think you're right about the separate interest rate but if it is seen as additional borrowing then they will only lend up to a total of 80%ltv with current mortgage included which wouldn't be enough in the short term but would be if we remortgaged after doing work0
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