We were delighted to see the back of 100% mortgage as a happy consequence of the financial crisis as lenders pulled back.

Back in the heady days before 2007 there were hundreds of deals for 100 per cent loan to value mortgages from dozens of lenders.

We have been delighted to see interest rates at rock bottom levels for more than six years giving a major boost to homeowners.

In the teeth of a financial crisis, rates were dropped to 0.5% to introduce a much-needed monetary stimulus.

Buy-to-let is booming. That’s what the latest figures from the Bank of England tells us anyway with a 13 per cent year on year growth.

We believe this is fantastic news for current and aspiring landlords as the buy to let sector gets back on its feet.

The central economic question facing Britain’s top boffins at the Bank of England is deflation and what it means.

Inflation and deflation are just fancy terms to describe price rises and price drops. The way the UK measures inflation levels for the entire country is through the consumer prices index.

We are delighted to report that mortgage rates are at their lowest ever levels and experts are predicting they will fall further. There are a number of factors pushing down mortgage deals of all kinds including economic uncertainty in the Eurozone to low interest rates at home.

Housing is in the spotlight like never before during the general election campaign with all parties promising big bold policies.

Chief among them are pledges from all parties to build more home in order to stop rocketing house prices. During the last year prices across the UK have risen almost 10% and politicians and policymakers do see this as sustainable.

We are pleased to see more reform of stamp duty in the plans of politicians ahead of the general election.

Labour is promising to abolish stamp duty on homes worth less than £300,000 for the first three years of a Labour Government.

We are concerned by yet more political plans to tax property in the UK this time on second homes and from the Liberal Democrats.

We have already seen issues arising from Labour’s mansion tax plans. This is a 1 per cent annual charge on homes worth more than £2m to fund extra spending on the NHS.

We are looking forward to the final Budget of this Government and, as usual, the speculation about what will be changed has begun. In the last five years the changes for the mortgage market have generally been positive with new schemes such as Help to Buy being introduced to help borrowers get on the ladder.

We are delighted to see the current Government take such a keen interest in personal financial issues with a series of big reforms. Firstly, the most significant impact will come from radical pension reforms that will come into force on April 6th this year.