英国按揭宗数的数量在四至五月份录得上升，新增的个案以 9 成和 9 成 5 的按揭为主。市场相信这趋势是由于政府早前发布的首置计划——容许首次置业的买家以最高 9 成 5 的楼宇借贷进行买卖成交。新的计划吸引了一部分有意置业的年轻人，以相对较低的首期成本置业和申请贷款，同时按揭公司亦提供多项低利率高成数借贷方案。

Number of Mortgage Deals Increases Between April and May – 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)