In Leeds, Simon Goulding, who is about to buy his first home, has noticed how quickly the mortgage market is changing.
In April, he was offered a loan worth 26 per cent of the value of the home, fixed for five years, at 4.9 per cent. Last week, after finding the right property, he could get a 37 per cent mortgage, fixed for five years at 4.05 per cent.
“I just want to get the deal done quickly,” says Goulding, who’s happy with new rates being offered and keen not to let the home slip through his fingers.
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