According to a leading UK mortgage expert, 100 per cent mortgages are firmly a thing of the past, and are unlikely to return at any time in the future. 100 per cent mortgage loans have been pulled from the market by mortgage lenders, following the pressure of the credit crunch.
The chief executive of Nationwide was reported in the Financial Times as saying that banks will be very cautious approving any mortgage loan . Graham Beale was reported as commenting: "For good-quality borrowers there is still choice and availability but it is more expensive and there is a repricing of risk. I can't see 100 per cent loan-to-value loans returning in the market in the medium-term let alone the short term."
The majority of providers now demand a deposit of over 5 per cent to secure a mortgage loan . Beale made it clear that this trend would continue into the foreseeable future, as banks have become more aware of the risks. A similar debate recently forecast the permanent retreat of the heavy adverse lending market.
100 per cent mortgage market will not come back
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100 per cent mortgage market will not come back
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