Client and partner purchased a new property together. They were renting for a period of time and applicant two owned a property in her native Wexford which she rented. The clients were seeking 100% funding although one applicant wasNOt a first time buyer. Both clients were not professionals either. The only lender that would offer the 100% funding was ptsb. They offer 100% package to all clients once the purchase was for a principal residence and that the applicant one was a first time buyer.