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Mortgage Lenders returning to the market
Mortgage lenders have started to return to the market with competitive deals at realistic loan to values.
In recent months the price of interbank lending (LIBOR) the rate at which banks borrow from each other has fallen sharply. Last week the rate for borrowing for 12 months hit 2.1%. This is now starting to be seen in the mortgage products coming on the market form high street lenders.
At the start of the year you required at least a 40% to get a decent rate from a high street mortgage lender but we are now seeing many 2 and 3 year fixed rates coming on requiring a max LTV of 75%
This is also good news for first time buyers and people with little equity in their homes. The number of products now on the market for people with only10 to 15% deposit has seen a marked increase
27 March 09
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