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Of course there's some validity to your point, but I would highlight that banks are a lot more conservative today than they were 6 or 12 months ago.

Mick, it's good that you want to help your friends, but I suggest you limit your involvement to advice, contacts, etc, but don't get financially involved! When you go guarantor for somebody, you have to declare the loan when you apply for finance, even though the person whose loan it is may be...