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
Mortgage Quote Line
0845 108 0505
100 per cent mortgage market will not come back
Wed, 07 May 2008
Recommended links
Mortgage enquiry formMortgage rates and offers
Mortgage calculator
House prices
Need for mortgage advice increasing
Double deposit needed for nationwide mortgage
First time buyer guide
Remortgage information
Buy to let mortgage information
How to switch mortgage lenders
Mortgage renewal reminder service
UK mortgage lenders directory
Nationwide lender profile
Nationwide current mortgage offers
Mortgage fees and costs guide
Stamp duty guide and calculator
Mortgage indemnity insurance guide
Find a mortgage broker
Mortgage lender enters specialised market
Buy to let will support mortgage market
Fall in first time buyers hits housing market
Buy to let mortgage market recovering still further
Cracks in housing market revealed by new mortgage data
Equity release market increasing year on year, expert states
Mortgage lender sees cooling housing market
Buy-to-let mortgage market growing, study shows
Buy-to-let mortgage market confidence growing, poll finds
Buy-to-let mortgages 'responsible for increased market demand'
Northern Rock confident in mortgage market
Buy-to-let market strong in Scotland
New mortgage multiples reflect market conditions, expert claims
Nationwide 25-year mortgage to be pulled from market
Financial Services Authority will warn on subprime mortgage market
Fears of mortgage market turmoil
Mortgage market for "unusual properties" growing
Buy-to-let mortgage market buoyancy continues
Foreign mortgage market professional
Mortgage market dominated by prime lending
First time buyers put off entering market, study shows
Big mortgage lender to enter buy to let mortgage market
Rics: First-time buyers can't access housing market
New fixed-rate mortgages on the market
'Market remains strong for buy-to-let mortgage holders'
Buy-to-let mortgage market uncertain
Caution in the lifetime mortgages market
First-time buyers urged to be aware of mortgage market
Repossessions up in sub-prime mortgage market
House purchase driving mortgage market, expert claims
Beaconsfield the most expensive market town to find a mortgage, study shows
Housing market may see "real decline"
Best value mortgages on the market are trackers and discounts
Mortgage market to "remain flat"
Interest rate decision 'to affect mortgage market'
Mortgage market 'holding up well'
Market-leading fixed-rate mortgage launched by Woolwich
European mortgage market healthy, Rics says
The housing market depends on mortgages, expert says
Divisions in the mortgage market
Buy-to-let market "inaccessible" for many
Less first-time buyers in mortgage market
Housing market slowing down, mortgage lender indicates
First time buyers keep housing market moving
Promising buy-to-let market, suggests survey
Renewed confidence for buy to let mortgage market
Overregulation poses a threat to the buy-to-let market
Buy-to-let mortgage market not deterring first-time buyers, says expert
Chancellor promises mortgage market shake-up
Buy to let market still busy, mortgage lender believes
Expert: Housing market is "never-ending circle"
Mortgage market to remain strong, expert predicts
Mortgage market underpinned by buy to let
New buy-to-let products on the mortgage market
Government called on to boost mortgage market
Is the sub-prime mortgage market collapse due?
New mortgage survey suggests housing market confidence is bullish
Alliance and Leicester to enter buy-to-let mortgage market
Alliance and Leicester seeking buy to let mortgage market share
Buy-to-let market expected to keep growing
Kensington Mortgages enter specialist prime market
New Skipton mortgage market leading, company claims
Forecast reveals confidence for buy-to-let mortgage market
Green mortgage market will remain static
The diverse and deceptive mortgage market
Fallout from US subprime mortgage market hits UK
Mortgage market feels bite of US crisis, says expert
Remortgaging market remains "buoyant"
Buy-to-let market driven by demand
Buy to let mortgage market looks buoyant
100 per cent mortgage market will be tightened up
New tracker mortgages claim to be market-leading
Landlords optimistic about buy-to-let market, says mortgage provider
Kensington forecast slower mortgage market
NatWest looking for first-time buyer mortgage market
Large homes dominating mortgage market, reveals research
Mortgage market shows strong rise
Buy-to-let mortgage market: the opposing view
UK mortgages market extremely competitive
Buy-to-let market only for long-term mortgage investors, says expert
Housing market: Worst is over says RICS
Buy-to-let market reaches record figures, says CML
Near and sub-prime mortgage market to grow by 20% in 2 years
CML forecast growth in adverse credit mortgage market
The changing UK mortgage market
Property market pushes up costs for mortgage hunters, study shows
Buy to let mortgage market does have risks
Remortgage rates prompt market growth
Mortgage holders confident in housing market
NAEA: Housing market builds momentum
Mortgage market shrinking
Mortgage market keeps going strong, suggest statistics
UK largest mortgage market in Europe
Northern Rock chaos will influence mortgage market
The influence of interest rates on the mortgage market
First time buyers boost market
Housing market in Wales could avoid falls, expert believes
UCB Home Loans expands into poor credit mortgage market
Immigration's impact on buy-to-let mortgage market
Consumer confidence back in mortgage market, claims expert
Markets hit mortgages
First time buyers returning to property market
'Opportunities remain in buy-to-let market'
Strong mortgage market will bank resist interest rates increase
US Sub-prime mortgage market impact on UK
Competitive commercial mortgage market
Is a slowdown in the mortgage market certain
Competitive fixed rate mortgages behind market buoyancy
Mortgage market shows slow, steady recovery
Remortgages help boost market
Mortgage market will improve slowly, consumers warned
GMAC-RFC: Mortgage market is changing
Buy-to-let market still strong, expert claims
Joint mortgages are small area of market
Confidence is key in property market
First-time buyers know little about the property market, suggests research
Buy-to-let mortgage market changing, experts say
Cheap mortgages vanishing from the market
Future of buy-to-let market bodes well thanks to modern living
BBA confirms steady housing market reports
Pints of milk, personal loans and a new home at your local supermarket
Professional landlords dominate buy to let market
Remortgaging drives mortgage market
Market conditions tough in rural areas, expert says
UK demand equals market confidence
Knowledge of mortgage market increasing
Buy-to-let market remains strong
Mortgage market still growing, research shows
Innovative first time buyers return to market
Mortgage choices for first-time buyers in UK market
Interest rate increases affect mortgage market
Mortgage holders warned about potential property market shrinkage
New products will drive buy-to-let market, experts advise
Mortgage market in summer slowdown, study shows
Rics economist predicts mortgage market improvement
Role in the market for interest-only mortgages
Mortgage rates price key workers out of market, figures show
Yorkshire buy-to-let market going strong
Mortgage market faces challenging period
| mortgages news |
|---|
| Yorkshire Building Society makes mortgage more accessible - Thu, 02 Sep 2010 |
| Lloyds TSB launches new fixed-rate mortgage - Thu, 02 Sep 2010 |
| Skipton launches new mortgage range - Wed, 01 Sep 2010 |
| More News |
Mortgage Rates by Lender 
Worried about Mortgage Repayments?
- Join our petition to Government to bail out burdened individuals, not just banks.
Free Mortgage Quote
Mortgages in Scotland
Equity Release
Switching Mortgages
Home Reversion Plans
Commercial Mortgages Arrears & CCJs?
Remortgages- Sub prime mortgages
- Arrears, CCJs
- Self certification
- Debt consolidation
Protect Your Mortgage