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WHat is a test rate? A test rate is the interest rate that the bank assess your application at. So, when rates increase, they know you can still afford it. At the start of last year, these were way up at 8.95%. Nw, they're as low as 6.55%. Long story short, you can borrow more today than you have been in a long time. | Patrick Sargisson - Mortgage Adviser | Facebook
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