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With instability in the money markets and sub prime lending, a cheap mortgage may be more difficult to obtain. First time buyers and anyone on a fixed rate mortgage that is coming to an end are particularly vulnerable. Speculation about how the UK housing will either fall or stagnate is rife especially with the number of repossessions coming back on the market. Obviously, pundits will try and talk the market up but with banks feeling concerns and reluctant to expose themselves even further to sub prime lending, now is the time to speak to mortgage brokers who know the lending markets.

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