While interest rates have been kept relatively low for most borrowing purposes, the deposit requirements for first time home buyers has been prohibitively high. But now it looks like there might be a glimmer of hope on the housing horizon for the first time buyer – 10% and 15% deposit packages are now on offer from mortgage companies. So what has changed?
More Mortgage Products Available
According to Mortgage Brain (a mortgage software company supplying information to mortgage brokers), the total number of mortgage products available rose by 26% . Overall, the market has seen an increase of 78% in mortgage product availability. More importantly, there has been a significant rise in the number of high LTV (Loan to value) mortgage products, which is good news for first time buyers with smaller deposits.
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