R-S

No, R-S, unlike you I am not a nosey parker?! ;o)

There is no smoke and no mirrors. I am simply not prepared to breach a confidence to satisfy some ignorant nosey parker as to the exact particulars of a particular transaction of which I am aware.

Suffice to say, that until a short while ago there were probably a number of the smaller lenders in this land, the great UK, who would have and were still lending on the base facts such as I indicated, where there had been previously very long and successful relationships, which will no doubt at some stage in the future, proceed as they did previously, more or less.

And in answer to your question, I am not a Lender, but if I were so, my answer is definitely in the affirmative. A proven track record over many years is a lot more reliable than some high flying, fly by night who only stops long enough to be a rate tart or whatever the recent expression was.

So, my advice was, if you have a proven track record with a particular Lender, start there, although I doubt this will now still hold good, particularly if your smaller Lender has been swallowed by one of the bigger Financials, with their know it all, actually know very little, Actuaries, or Risk Consultants, upon whom some of the bigger financials, appear bent upon relying to their peril.