start with your current mortgage balance. For a new mortgage, subtract your down payment from the home price. Calculate the LTV. Divide the loan amount by the property value.
If there is 5 peices of a report and Gavin has written 2 out of 5 of those pieces, then there is only 3 pieces left. Meaning Oliver and Michael will either split 1.5 a nd 1.5 of the 3 pieces or one will take 2 and the other will take one.
