英國按揭宗數的數量在四至五月份錄得上升，新增的個案以 9 成和 9 成 5 的按揭為主。市場相信這趨勢是由於政府早前發佈的首置計劃——容許首次置業的買家以最高 9 成 5 的樓宇借貸進行買賣成交。新的計劃吸引了一部分有意置業的年輕人，以相對較低的首期成本置業和申請貸款，同時按揭公司亦提供多項低利率高成數借貸方案。
Number of Mortgage Deals Increases Between April and May – Moneyfacts
The number of mortgage deals available to consumers increased by 85 between April and May, according to new data from Moneyfacts.
According to the organisation, which has just released its Moneyfacts UK Mortgage Trends Treasury Report, the number of deals available rose from 3,842 in April to 3,927. The vast majority of those deals were for those with a five per cent deposit, up from 34 deals in April to 112 in May, following the government’s announcement that it would help people with deposits up to a certain amount. Comparatively, those with a 10 per cent deposit saw the number of deals available to them rise by 41, going up from 440 to 481.
Eleanor Williams, finance expert at Moneyfacts, said the increases were the result of lenders returning deals to the sector, partly because of the government’s scheme.
Along with the increase in product choice, the average two-year fixed rate on mortgage deals fell slightly between April and May, down from 2.58 per cent to 2.57 per cent. The average five-year fixed rate, however, increased slightly, up from 2.77 per cent to 2.79 per cent.
Commenting on the results, Vikki Jefferies, proposition director at PRIMIS Mortgage Network, said: “The surge in the number of 95 per cent LTV deals available in the space of a month is particularly encouraging. There is clearly great momentum from lenders to return to the high LTV space – not forgetting those who have signed up to the government’s 95 per cent mortgage guarantee scheme – which is good news for first-time buyers and younger borrowers who are looking for low deposit mortgages.”
Retrieved from: https://www.propertywire.com/news/number-of-mortgage-deals-increases-between-april-and-may-moneyfacts/ (11 May 2021)