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“The level of house prices, the need for larger deposits and stricter lending criteria set by banks, has combined to cut first-time buyers out of the market” says the National Housing Federation. “People need much bigger deposits now, and typically people can only get mortgages of about 75% of the price of the home.”

Getting onto the property ladder may seem like an enormous task in the current climate but it is not impossible and given all the upward pressures on the housing market it still seems like the only sensible thing to try and do. Experienced IFA’s like Enable of Bishop Stortford help you look at what can seem like overwhelming mortgage data to help you find the deal that works for you.

In the news this week Accord Mortgages, the intermediary arm of Yorkshire Building Society, has cut up to 0.45% from the cost of its 85% loan-to-value (LTV) fixed rate mortgages.

Its deals now include a two-year fixed rate at 3.74% and a five-year fixed rate at 4.64%, both available up to 85% LTV with a £995 fee.  Accord has also reduced the interest rates on its 75% LTV products by up to 0.25%.

Steve McAvan, group intermediary product manager at Accord, said: “Our new range still includes offset options, products suitable for first-time buyers and our popular tracker and fixed hybrid deals ensuring we provide brokers with a broad range of competitive products to suit the needs of their clients whilst still providing some of the best rates on the market.”

Just one of many of the options Enable Independent can help you consider to meet your housing needs – we are what it says on the tin – Independent.

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