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Thank you for that, mortgage broker has finally come back to me with those thoughts though. He is suggesting I need to possibly go with a specialist ...

Thank you so much for the response again. Alot of this is very reassuring!! Can I ask one final thing. Some part of my debt with TD was with the mort...

Hey, Thank you so much for getting back to me. I was pretty devastated with result as it has caused me to loose out on a property purchase. I'm happy...