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Borrowers can get much better rates than those normally available to those with just a 5 per cent deposit, as they effectively have a 25 per cent down payment. Rates start at 2.44 per cent fixed for two years or 2.64 per cent for three years, both from Nationwide and with a £499 fee. Higher rates are offered by Teachers Building Society, Chorley Building Society or Newbury Building Society.
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