Second Homes

Second Home Finance

Second Home Finance - Second home finance refers to the financing and obtaining of a mortgage for a second home. Since the economic downturn of 2008, it has been increasingly difficult to obtain a suitable and affordable second home finance package. Banks and building societies throughout the British Isles have become seemingly risk averse and are often more reluctant to lend to individual customers who seek second home finance with applications are increasingly being rejected by providers. We offer a bespoke and personalised service to all clients seeking second home finance, using our excellent relationships with many lenders offering second home finance, increasing your chances of a secured application and often obtaining rates for our clients not available on the open market.

You may choose to seek second home finance on property for a variety of factors. Firstly, you may wish to take out finance on a second home when seeking accommodation for your offspring at university. Alternatively, you may wish to take out second home finance for a holiday home in the UK or abroad. As with any investment, when seeking second home finance it is worth conducting serious research into which areas have an excess of properties to let and where there is high demand.

Our second home finance team are experts in placing our clients with the right lender at the right rate but importantly at the right time. We will guide our clients holistically from your initial enquiry to the completion of your second home finance and beyond. Our staff appreciate how difficult it can be for individuals to obtain a competitive and cost effective second home finance deal. It is our role to seek the optimum second home finance package for you.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Contact us today. Our second home finance advisers look forward to taking your call

Second Home Loans

Second Home Loans - Second home loans refers to securing of a loans package against for a second home within the UK. A second home is defined as a property in which the mortgagee does not live for the majority of the time. When rent prices are high, second home loans can help investors to secure buy-to let properties. However, if you are interested in investing in buy-to-let, it is worth noting that banks generally require a minimum rent specified to cover at least interest payments. It is therefore worth considering the likelihood of securing tenants at the specified minimum rent. Due to these factors, finding second home loans deals can be a more complex process than for a primary mortgage.

Fortunately, as a leading UK mortgage broker, we’re available to help you navigate the second home loans market. We offer bespoke advice, tailored to the individual needs and circumstances of our customers. Our clients seeking second home loans come from a range of backgrounds and are purchasing a second home for a range of reasons. Understanding what you want out of your mortgage is our priority.

As part of our premium second home loans service, we go beyond our duties set by the industry regulators and put all recommendations in writing. We have full confidence in our advice and want our customers to be fully informed.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Please call us today for second home loans advice and the chance to secure your ideal mortgage package.

Second Home Mortgage

Second Home Mortgage - Second home mortgage refers to those seeking to obtain a mortgage on a residence that is not their principal residence. A second home mortgage can be taken on a holiday home for investment purposes and with a view to sell it off later in ones life. Another reason people may seek a second home mortgage is to buy a property for renovation, then reselling with the aim of recouping a profit. However, in order to obtain a second home mortgage from lenders, borrowers must be able to meet a number of requirements including proving they have enough income to handle two mortgages.

However, using our second home mortgage comprehensive panel base, our team of brokers can take you through the range of second home mortgage deals and can offer a higher chance of successfully obtaining your requested finance. This is due to our good working relationships with underwriters at banks and building societies across the UK. We can offer a fully comprehensive second home mortgage service, finishing all documentation within your time scales and reviewing your case on a regular basis to ensure you get the best rates available on your second home mortgage.

Our team of specialists have the expertise and experience to assess the viability of your second home mortgage proposition and we will seek to place you with the most appropriate second home mortgage provider. We also understand that our clients may be faced with interest only or capital repayment plan options. As such our experienced brokers can therefore advise you on the different factors to consider and commit ourselves in providing you with the best second home mortgage solutions to ensure you enjoy a great value on your loan.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

For more information on second home mortgage packages call us today to speak to one of our advisers. We look forward to taking your call.

Second House Mortgage

Second House Mortgage - Second house mortgage packages are a specialist area of the mortgage market. A second house mortgage for a buy-to-let property is known as a Residential Investment Loan and is a niche sub-product within second house mortgages. Despite consumers of this particular product often being relatively affluent with an established credit rating, lenders are often fairly stringent. They generally require a higher income level for the value of the property and may offer less appealing rates. As a result, re-mortgaging your first home may be a far easier option if these funds will raise the necessary capital.

As with any investment, when purchasing a buy-to-let property, it is worth conducting serious research into which areas have an excess of properties to let and where there is high demand. This is particularly the case if you have to secure a second house mortgage as oppose to a re-mortgage of your first home as lenders generally stipulate a minimum rent that must be charged. This minimum amount should ideally be substantially amount below expected rent to give you some room for manoeuvre.

There is still high demand for a second house mortgage, with clients seeking a second house for a variety of reasons.. Apart from those looking to let out their investment, many consumers may want to invest for their offspring, own a property nearer their workplace or secure a holiday home.

With considerable experience in mortgage brokerage within the second house mortgage market, we understand that there are a huge variety of circumstances and needs for second house mortgage purchasers. As a result, we offer bespoke advice that is tailored to your individual need and requirements. We are a comprehensive panel of lenders mortgage broker and are not affiliated with any particular lender. This enables us to put our customers first and secure them the best second house mortgage deal we can find. Our team strive to save you time, money and inconvenience.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Seeking a second house mortgage? Call us today.

Second Mortgages

Second Mortgages - Second mortgages are mortgages acquired for a property which have an existing mortgage, yet to be paid back in full. In most instances, second mortgages are subordinate to the first mortgage, in that if the borrower defaults, the first mortgage is paid first. As the risk is higher for the lender due to this, second mortgages often have higher interest rates than first mortgages. Despite this, however, second mortgages can be advantageous in that they can release equity in a property that has been built up through mortgage payments in a first mortgage. This can be especially helpful in instances where the fist mortgage was taken out at a rate which is, or has become unfavourable.

As second mortgages are specialist financial products, they can be hard to obtain, especially during times when mortgage approval rates are low. Lenders will look at a number of factors including: credit score, existing equity (including that acquired through a first mortgage), employment history, existing borrowing and income.

At Capital Fortune, we pride ourselves on finding the right second mortgages for our clients, and giving them the necessary advice for their financial needs going in to the future. We carry out a detailed fact find on behalf of our clients, to gain all the relevant information and make sure any recommendation we make is tailored to your needs, before applying for any second mortgage. We will give full support throughout the application process, every step of the way.

Call our mortgage broker team now on 020 77 100 400 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.

Second Property Finance

Second Property Finance - Second property finance refers to the finance solution clients seek to fund a second property. Second property finance clients can consider using their primary residence as collateral. Clients can either opt in for home equity loans which have slightly higher interest rates or a home equity line of credit with variable interest rates. However, there may be a potential risk associated should you default somewhere in the future, as you have put your primary residence on the line. Another alternative to second property finance is for clients to obtain a second mortgage. The potential advantage of this to clients is that, because this form of mortgage is usually associated with the original mortgage it may be relatively cheaper.

We can offer a range of second property finance solutions to clients on both a repayment and interest only basis. Second property finance products are also available as a fixed rate mortgage, tracker rates, capped rates, variable and discount rates. After discussing your requirements and personal situation, we will be able to search a comprehensive panel of lenders and find the second property finance deal that suits you. Whether you opt for a traditional repayment mortgage, paying down both capital and the cost of borrowing simultaneously, or an interest only mortgage, our brokers will process your application to a time frame that suits you. We will take you through all steps required, giving you the best chance of being successfully granted a second property finance deal

We seek to secure a second property finance package for you. We are confident we can find our customers the most competitive rate on the market.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

To speak to our second property finance advisory team, call us today. We look forward to taking your call.

Second Property Mortgages

Second Property Mortgages - Second property mortgages are mortgages for UK properties in which the purchaser does not reside for the majority of the time. Broadly speaking, there are two groups of second property mortgages interest only or capital payment. The circumstances of the second property mortgage purchase, combined with the health of the housing market at the point of sale, largely dictate which is the most suitable.

Interest only second property mortgages are most suitable during a strong housing market as they allow investors to rely on the increased value of the home to pay off the mortgage at a later date. However, if the buyer goes into negative equity, they can be saddled with a huge debt at the date of redemption.

In addition, with interest rates relatively low, charges for variable rate second property mortgages are only likely to rise. The combination of falling house prices with higher interest rates could cause huge problems for those taking out interest only second property mortgages.

Due to the complexity of the decision making process for obtaining second property mortgages, many consumers can be put off. Fortunately, we specialise in arranging second property mortgages. We provide a transparent brokerage service and use our experience to help you make the right decision. As we provide all recommendations in writing, you will be fully informed of the decision making process behind our advice.

We can help you find the best deals for your individual needs and circumstances. Using our industry, we have access second property mortgages deals that may not be available on the high street. We look beyond the headline rate and examine each product holistically. This should protect you from hidden charges in the future

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

For premium second property mortgages advice, call us today. Our advisers look forward to taking your call.

Second Property Remortgage

Second Property Remortgage - Second property remortgage refers to the remortgaging of a second property a property which is not one’s main residence. The high rates and fees from many of the high street providers have made obtaining a second property remortgage tougher for customers. There may be many reasons for seeking a second property remortgage. Homeowners may choose to remortgage their second properties when consolidating other debts, downscale their repayments on to a better rate or to simply seek extra capital in an attempt to lower their monthly second mortgage commitments.

We have an expert second property remortgage team who will speedily advise you as to whether a UK or international bank, private second property mortgage provider or local building society will be bets suited to your specific loan and financial needs. We are fully aware of the time constraints our second property remortgage customers have and ensure all our applications are processed speedily, with all the relevant and critical documentation for your application completed for you in an attempt to make the process hassle free.

Personalised rates are often arranged on our client’s individual second property remortgage circumstances. We have built up strong and established relationships second property remortgage providers over recent years, ensuring that our customers are able to obtain the most valuable rates available, many of which are not available to individuals on the open market.

Our second property remortgage team are experts in placing our second property remortgage clients with the right lender at the right time and importantly the right rate.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Call us today. Our second property remortgage advisory team look forward to taking your call.

Second Residential Mortgage

Second Residential Mortgage - A second residential mortgage is a mortgage on a residential property other than your main residential home. Regardless of whether you already have a mortgage on a family home, a mortgage on another residential property is a second residential mortgage.

For those already possessing a mortgage, second residential mortgage lenders are tougher on applications as buyers’ finances are usually more restricted. Second residential mortgage lenders should agree a mortgage on a second residential property provided the buyer has sufficient income to cover mortgage repayments on the two properties. Consequently, second residential mortgage rates may be offered at rates between 0.25% – 0.5% higher than those for first residences.

As a leading mortgage broker with expertise in second residential mortgage deals, our company understands the problems faced by our clients seeking to obtain a second residential mortgage package. We understand that the finances of those looking to purchase a second residential property may be limited. Therefore we can use our experience along with our established contacts with existing second residential mortgage lenders to help find you the best deal available, often at a rate that individuals approaching high street lenders are unable to obtain. We offer a holistic and personalised service that responds to our clients individual needs and requirements.

If you need any assistance why not speak to one of our Mortgage Advisers by calling 020 77 100 400 or Enquire Online.

Call a member of our second residential mortgage team today to secure the right deal for you.

Second/Holiday Home Mortgages

Second/Holiday Home Mortgages - Capital Fortune are able to advise and arrange mortgages for holiday homes, second homes and pied a terres using our comprehensive panel mortgage providers.

Feel free to browse through our second/holiday home website section.

If you require any assistance, call us today on 020 77 100 400 or Enquiry Online.

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Residential - Purchase - Best Buys


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Saffron BS 3MC 2 Year Discount £999 Fee Cashback BSA1.15%Discount2 years 5.39%4.4%APRC2 years £99960%
Product Code: 001SNV
Product Name: 3MC 2 Year Discount £999 Fee Cashback
Product Availability: Intermediaries Only
Lender Code: BSA
Lender Name: Saffron BS
Initial Pay Rate: 1.15
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.39
Apr Lenders: 4.4
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 464.41
Monthly Payment After Initial Period: 712.49
Fees Total: 1509.00
True Cost: 0.00
True Cost Over Initial Period: 10820.84
Cashback: 800.00
Valuation Fee: 395.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 500.00
Lender Product Reference: DR0517
Detail
Saffron BS ATOM 2 Year Discount £999 Fee Cashback BSA1.15%Discount2 years 5.39%4.4%APRC2 years £99960%
Product Code: 001SNW
Product Name: ATOM 2 Year Discount £999 Fee Cashback
Product Availability: Intermediaries Only
Lender Code: BSA
Lender Name: Saffron BS
Initial Pay Rate: 1.15
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.39
Apr Lenders: 4.4
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 464.41
Monthly Payment After Initial Period: 712.49
Fees Total: 1509.00
True Cost: 0.00
True Cost Over Initial Period: 10820.84
Cashback: 800.00
Valuation Fee: 395.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 500.00
Lender Product Reference: DR0517
Detail
Saffron BS Brightstar 2 Year Discount £999 Fee Cashback BSA1.15%Discount2 years 5.39%4.4%APRC2 years £99960%
Product Code: 001SNX
Product Name: Brightstar 2 Year Discount £999 Fee Cashback
Product Availability: Intermediaries Only
Lender Code: BSA
Lender Name: Saffron BS
Initial Pay Rate: 1.15
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.39
Apr Lenders: 4.4
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 464.41
Monthly Payment After Initial Period: 712.49
Fees Total: 1509.00
True Cost: 0.00
True Cost Over Initial Period: 10820.84
Cashback: 800.00
Valuation Fee: 395.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 500.00
Lender Product Reference: DR0517
Detail
Saffron BS Complete FS 2 Year Discount £999 Fee Cashback BSA1.15%Discount2 years 5.39%4.4%APRC2 years £99960%
Product Code: 001SNY
Product Name: Complete FS 2 Year Discount £999 Fee Cashback
Product Availability: Intermediaries Only
Lender Code: BSA
Lender Name: Saffron BS
Initial Pay Rate: 1.15
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.39
Apr Lenders: 4.4
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 464.41
Monthly Payment After Initial Period: 712.49
Fees Total: 1509.00
True Cost: 0.00
True Cost Over Initial Period: 10820.84
Cashback: 800.00
Valuation Fee: 395.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 500.00
Lender Product Reference: DR0517
Detail
Saffron BS Vantage 2 Year Discount £999 Fee Cashback BSA1.15%Discount2 years 5.39%4.4%APRC2 years £99960%
Product Code: 001SNZ
Product Name: Vantage 2 Year Discount £999 Fee Cashback
Product Availability: Intermediaries Only
Lender Code: BSA
Lender Name: Saffron BS
Initial Pay Rate: 1.15
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.39
Apr Lenders: 4.4
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 464.41
Monthly Payment After Initial Period: 712.49
Fees Total: 1509.00
True Cost: 0.00
True Cost Over Initial Period: 10820.84
Cashback: 800.00
Valuation Fee: 395.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 500.00
Lender Product Reference: DR0517
Detail
Saffron BS 2 Year Discount £999 Fee Cashback BSA1.15%Discount2 years 5.39%4.4%APRC2 years £99960%
Product Code: A9D
Product Name: 2 Year Discount £999 Fee Cashback
Product Availability: Intermediaries Only
Lender Code: BSA
Lender Name: Saffron BS
Initial Pay Rate: 1.15
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.39
Apr Lenders: 4.4
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 464.41
Monthly Payment After Initial Period: 712.49
Fees Total: 1509.00
True Cost: 0.00
True Cost Over Initial Period: 10820.84
Cashback: 800.00
Valuation Fee: 395.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 500.00
Lender Product Reference: DR0517
Detail
Progressive BS 2 Year Discount No Fee Purchase BPG1.22%Discount2 years 4.75%4.28%APRC2 years £060%
Product Code: 37N
Product Name: 2 Year Discount No Fee Purchase
Lender Code: BPG
Lender Name: Progressive BS
Initial Pay Rate: 1.22
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.75
Apr Lenders: 4.28
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 464.30
Monthly Payment After Initial Period: 665.91
Fees Total: 170.00
True Cost: 0.00
True Cost Over Initial Period: 11313.20
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 85.00
Deeds Release Fee: 85.00
Product Match Status: Available
MaxLoan Available: 500000.00
Legal Fee: 117.50
Detail
Barclays Bank 2 Year Tracker £1999 Fee Purchase No ERC BWO1.24%Tracker2 years 3.99%3.6%APRC £199960%
Product Code: 001D4T
Product Name: 2 Year Tracker £1999 Fee Purchase No ERC
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.24
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.99
Apr Lenders: 3.6
Early Repayment Charge Period Sort Field: 0
Initial Monthly Payment: 473.16
Monthly Payment After Initial Period: 629.41
Fees Total: 2114.00
True Cost: 0.00
True Cost Over Initial Period: 11470.84
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 2000000.00
Legal Fee: 126.00
Lender Product Reference: AR50
Detail
Platform Intermediary 2 Year Tracker £999 Fee CTS1.24%Tracker2 years 4.74%4.3%APRC2 years £99960%
Product Code: 0023CB
Product Name: Intermediary 2 Year Tracker £999 Fee
Product Availability: Intermediaries Only
Lender Code: CTS
Lender Name: Platform
Initial Pay Rate: 1.24
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.74
Apr Lenders: 4.3
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1437
Initial Monthly Payment: 469.28
Monthly Payment After Initial Period: 670.94
Fees Total: 1159.00
True Cost: 0.00
True Cost Over Initial Period: 11422.72
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 106.00
Deeds Release Fee: 54.00
Product Match Status: Available
MaxLoan Available: 1500000.00
Legal Fee: 0.00
Lender Product Reference: M1244
Detail
Furness BS 2 Year Discount £999 Fee (Scottish) BFU1.24%Discount2 years 5.54%4.8%APRC2 years £99975%
Product Code: 002BU2
Product Name: 2 Year Discount £999 Fee (Scottish)
Lender Code: BFU
Lender Name: Furness BS
Initial Pay Rate: 1.24
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 5.54
Apr Lenders: 4.8
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1424
Initial Monthly Payment: 469.36
Monthly Payment After Initial Period: 722.84
Fees Total: 1434.00
True Cost: 0.00
True Cost Over Initial Period: 11679.64
Cashback: 0.00
Valuation Fee: 270.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 20
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 120.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 105.00
Lender Product Reference: DS303
Detail

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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