Mortgage hunting can be a chore...

...Especially in our current climate with the "mortgage freeze" that has been heralded in the news and is a result of the current economic climate.

Both seasoned property investors and new homeowners have both found increasing difficulty in acquiring a mortgage and many types of mortgage such as the 100% mortgage and more recently the self cert mortgage have become extinct. This has been due to FSA intervention and also lenders that are feeling less secure about providing borrowers a means to potentially exploit.

This has naturally been met with worry by lots of self employed people who have relied on Self-cert mortgages to provide them with a foot on the property ladder and a means to get a loan without having to provide three years worth of previous accounts.

In the same week, the government has declared that the FSA is to have control over Buy to Let mortgages so some big shifts have been occuring to re-organise the mortgage maze.

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