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  1. Hi All, so basically I want to own a property in London or close to it. Wishful thinking I know! For the sake of this post just assume it has to be London. (Of course I know if I leave London I have a lot more options but I have an entire life and community here.) I earn £30000 a year which is of course nothing in London. But I have a deposit of around £75k. I can't get approved for any residential mortgages because of the multiplier effect, which is why I am looking at non-traditional routes. I saw a flat for 300K. I can get a 25 year BTL mortgage ranging from 230-265k if I add on m
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