Glimmer on the Horizon?

Mortgage borrowers can still access competitive deals, despite the credit crunch, but brokers expect the situation to deteriorate this year, two surveys show. The difference in interest rates between loans for people who want to borrow 90 percent of their property value compared to 50 percent is just 0.04 percent on the top five-year deals and 0.19 percent on two-year products, according to online mortgage company mform.co.uk.