crystal ball time..

yanda

I guess this is more aimed at the mortgage advisors on the board who deal with rates and applications on a day to day basis:

1) What do you reckon the state of mortgage lending will be in 6 months time, and also 12 months time?

2) Do you feel that the days of 10% deposit deals across the board are long gone?

3) Do you feel the 'worst is over' in regards to lending criteria?

4) Have you seen any change (for better or worse) in lending patterns/approval rates etc from 6 months ago?

I guess this is a bit of a selfish post as i'll be looking to buy again around april next year when i've saved up a 25% deposit and have 2 years worth of accounts which at the moment seems to be required to get any sort of decent rate, but its hard to know if that will be sufficient in 6 months time.

Its hard to get a feeling just looking at rates being offered as you never see the full picture in as far as who is applying for these rates and at what degree of success - Any info would be appreciated!