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Will the New Year has seen an increase in mortgage funding liquidity?

As foreign exchange markets continue to price in a further reduction in UK base rates there are growing hopes that the UK mortgage industry will see an improvement in liquidity in the New Year. However, we have seen many false promises over the last few months from both the government and the mortgage providers in the UK so nothing should be taken for granted. So is it time to lock yourself into a long-term mortgage agreement or will rates fall further?

As with any serious investment it is essential that you take professional advice, especially where we are looking about the level of funds associated with mortgages. The short-term outlook for UK base rates would appear to show further downward pressure and when the economy recovers we will see base rates slowly rise. How far and when interest rates will turn around remains to be seen but those looking to lock themselves into long-term agreements should make themselves aware of the current market situation and take advice from those in the know.

Many "deals" which are being offered by the UK banking industry at the moment contain a number of provisos and small print conditions which may well take some of the gloss off that "special deal".

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