Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

What if 40% of the remaining 60% Loan To Value (ratio) is not paid, or the borrower wants to take only 60% of the loan?
Let me summarize your question for you: "I do not have the down payment that the lender requires for a mortgage. How can I still acquire the mortgage?" Short answer: Find another lender or find more cash. Don't overly complicate the scenario. The correct answer is that the lender is free to do what they want. They deem it too risky to lend you $1.1M against this $1.8M property, unless they have $700k up front. You want their money, so you must accept their terms. If other lenders have the same outlook, consider that you cannot afford this house. Find a cheaper house.