Trinity Financial on BBC News website
Aaron Strutt says much has changed in the mortgage market "The cheapest rates were available to most borrowers. Today, the cheapest deals are available to those with the biggest deposits," he says.
In 2007, the majority of lenders still offered 95% loan-to-value mortgages and about 15 lenders had 100% loan-to-value rates. Abbey pulled the last 100% mortgage offered by mainstream lenders on 9 April, 2008. "The mortgage industry really started to suffer in November and December 2007.
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