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Aldermore high loan to value mortgage range

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Aldermore are offering a standard product with 80% LTV and a high LTV product with up to 95% LTV. The criteria for both is "level 1" on their guide.

In reality is there a difference in applicants who are accepted for either?

Is it down to underwriters discretion and they can limit your LTV if there is something they don't like event if you match their published criteria?
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