Mortgages - Mortgage lending falls - 25/02/2008

 
 
  Mortgage lending by the UK's biggest banks continues to fall through January.

Figures from the British Bankers Association (BBA) show that member banks approved 44,000 new mortgages in January. This was an improvement on the figures in December, but it was still 31% lower than January a year before.

However, remortgaging continues to dominate the mortgage market, taking up 49% of all new lending by the banks last month.

"Higher gross mortgage lending in January largely reflected very strong remortgaging activity, as borrowers sought out the best deals available," said the BBA's statistics director, David Dooks.

"Although house prices and new loans for house purchase, appear to be subdued as the housing market slows, the strength of remortgaging would suggest competition for mortgage business and switching remains high," he added.

This comes at a time when all mortgage lenders have revoked their 125% mortgage deals and other banks are raising their interest rates.

   
 
     
 
 
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