Mortgage rates fall back but 100 per cent deals are dead

Author: By James Daley

However, it is now only home owners who have a minimum 25 per cent of equity in their properties, who qualify for the best rates, with many first-time buyers having to pay much higher rates than they would have last year.

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Money: Home improvement loans under scrutiny

Author: Paul Gosling

Unlike with a fixed-rate loan, lenders selling variable-rate deals do not have to quote a “total amount payable” figure, and trading standards officers say this is resulting in people being unaware of the full cost of a loan.

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David Prosser: House price uncertainty not over yet

Crisis over then? Well, yes, if you mean we can finally say with some certainty that the month-by-month collapse in house prices we have seen over the past 18 months is now levelling out. But don’t make the mistake of thinking that anything like normal service is resuming or that the house price falls we have seen ? about 14 per cent on average according to the Land Registry ? will be recouped in the near future.

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