The economy would appear to be recovering but we are still suffering from a serious lack of competition in the mortgage industry. This problem is still causing problems in certain secotors of the market and affecting the public's ability obtain the finance they require.

HSBC recently launched their 1.99% mortgage in a hail of publicity and news broadcasts that were only directed at the headline interest rate. The reality is they require a 40% deposit and full underwriting in order to "cherry pick" potential clients not to mention the obvious risks involved in taking out a discounted mortgage if their Standard Variable Rate increases. Their 1.99% rate does not reflect the true state of the mortgage market and to a certain degree misleads the general public into believing there is mortgage finance available to suit everyone at a great rate.

The only true way to know if your current circumstances fits a mortgage product that is currently available on the open market is to lay down both pieces of information (your personal information and avalilable mortgage products), then analyse them together.

This process is why we exist, taking two sets of complicated personal and mortgage data, analysing them and recommending one suitable mortgage product from the hundreds available.

If you would like one of our professional advisers to go through this completely FREE and without obligation process then click on the logo above and enter the information requested or request a call back from our home page and an adviser will call or e-mail you back at the time requested.