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aged 18 and own two cars? extreme :)

the banks wont let you use those cars as "collateral" as their grey imports. i could be wrong.

just need a proven savings history. is the 20k for a deposit? dont get a loan for the deposit, the pioint of a deposit is too prove you can save and manage it correctly, not just get a 20k loan and pay it off as well as the house loan

the requirements/guidelines are there for a reason

do as you please

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