We are delighted to see the Bank of England signal rates will not rise until next year. With a rapidly improving economy the Bank was expected to act before the end of this year. Base rate has been locked at a rock bottom record low of 0.5 percent for more than five years.

We have watched with concern in recent years as the mortgage market has changed. Choice has been restricted as lenders have reigned in loans and regulators have cracked down on risky activity. Mostly, we see this as a good thing as there is no place for reckless lending in the UK. Borrowers should need to provide more proof of income and expenditure than on the past.

We have watched with concern in recent years as the mortgage market has changed. Choice has been restricted as lenders have reigned in loans and regulators have cracked down on risky activity. Mostly, we see this as a good thing as there is no place for reckless lending in the UK. Borrowers should need to provide more proof of income and expenditure than on the past.

We have watched with concern in recent years as the mortgage market has changed. Choice has been restricted as lenders have reigned in loans and regulators have cracked down on risky activity. Mostly, we see this as a good thing as there is no place for reckless lending in the UK. Borrowers should need to provide more proof of income and expenditure than on the past.

It seems that Chancellor George Osborne has finally cracked the whip on what has been deemed "excessive" mortgage lending last night, blamed for ever increasing house price inflation across the UK.

In the last six years interest rates have been at their lowest ever levels. We have seen clients enjoying rock bottom mortgage rates. Those sitting on standard variable rates (SVRs) have watched the Bank of England's monetary policy committee hold base rate at 0.5 per cent for more than five years.

We are pleased to see UK regulators and politicians alert to the prospect of a housing bubble. House prices continue to rise rapidly in some parts of the UK and more than 10 per cent in some areas of London and the South East.

Capital Fortune announces it has received a market exclusive short lease product designed soley for prime central London homes.

We are pleased to see the latest data on Help to Buy proving positive for the housing market and showing aspects of the scheme are working. Help to Buy is the Government mortgage support programme.

Since the credit crunch banks have cracked down on many areas of specialist lending.