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    Residential lending has seen many changes over the last ten years since the end of the recession and most of the significant ones have taken place in recent times. The residential market is still very strong with good demand and not enough good quality properties in the right areas. Inflation has
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    gh good quality properties in the right areas. Inflation has remained for the most part within Government guide lines and with low interest rates there are in some areas not enough properties to satisfy demand. The demand for new properties is very strong for owner occupiers and investors in the

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