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Borrowing and finance
Debt is like a scalpel: a precise tool in skilled hands. Learn how lenders work out what you can borrow, where a deposit comes from, how the equity you hold can fund the next property, and what each kind of loan does to your week.
Listen to Nicholas read this topic
Read by an AI version of Nicholas’s voice, from the words he wrote.
Articles
How much can you borrow?How lenders work out the figure, and what moves it.Read →How much deposit do you need for an investment property?Why 20 per cent is common, and where a deposit comes from.Read →Using equity to add the next propertyHow the equity you hold can fund the next property.Read →Interest only, or principal and interest?Lower repayments now, or less debt later.Read →
More topics
Starting out and planningYour first step, and the plan behind it.7 articles →Borrowing and financeWhat you can borrow, and how to carry it.4 articles →Tax, gearing and structureWho pays what, and whose name it goes in.4 articles →What and where to buyThe land, the building, and where.7 articles →
Every article, read aloud
Every article comes in two versions: one to read, and one to listen to. The listening versions are read by an AI version of Nicholas’s voice, from the articles he wrote.
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