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'Sharp rise' in mortgage lending | 'Sharp rise' in mortgage lending |
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The number of loans handed out for house purchases in the UK rose sharply in March, lenders say. | The number of loans handed out for house purchases in the UK rose sharply in March, lenders say. |
Some 31,000 mortgages were granted by lenders, up 29% on February but still 33% down compared with March 2008, the Council of Mortgage Lenders (CML) said. | Some 31,000 mortgages were granted by lenders, up 29% on February but still 33% down compared with March 2008, the Council of Mortgage Lenders (CML) said. |
The increase was in line with data showing more applications for home loans had been approved by lenders. | The increase was in line with data showing more applications for home loans had been approved by lenders. |
But the CML warned the position was still tough for those unable to put down a significant deposit. | But the CML warned the position was still tough for those unable to put down a significant deposit. |
"Because the flow of lending is still constrained, there is a sharp dividing line in the housing and mortgage markets between those who can raise a substantial deposit and those who can't," said CML head of research Bob Pannell. | |
Indicators | |
The nature of these figures mean that their publication lags behind many other indicators of the state of the mortgage market. | |
The March data echoed the upturn reported by the Bank of England, which said that number of home loans approved - but not yet lent - in February and March was well above levels seen during the previous six months. | |
HM Revenue and Customs also reported that completed property sales leapt by 40% between February and March. | |
But all of these levels remain much lower than a year ago, as lenders retreated from giving out high loan-to-value mortgages amid the global economic downturn. |