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Most banks and building societies have tightened lending standards, so some borrowers,
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The flat purchase was a turning level for me,' says Lorna. Lorna Slater,
32, needs to do extra hill walking and make extra of her personal clothes this 12 months.
As soon as Lorna has cleared her mortgage she goals
to save lots of £7,000 to visit India in July 2009.

She also intends to have £17,000 in whole financial savings
- in a combination of her equity Isa and cash financial savings by the tip of
2010 - to put in direction of a brand new property.
The perfect New 12 months's decision I can recommend to borrowers
who must remortgage is to seek out the best possible deal
taking into account the mixture of up-entrance charges and rates.

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