The UK’s mortgage market looks set to continue its recovery into 2010, with a 20% rise in the number of home loans available since the beginning of the year.According to Moneyfacts.co.uk, the surge has led to a 26% increase in deals offering up to 90% loan-to-value and therefore requiring the size of deposit accessible by [...]

More: Twenty per cent rise in home loans on offer

Once the banks actually ease off on their restrictions and adopt responsible lending strategies I'm sure more and more people will be able to get and buy a home. The problem we will face is supply not keeping up with demand! House price rises are inevitable if we dont create more affordable homes.

There may be more mortgages on offer but that doesn't seem to be the crux of the problem. I was reading the other day that the Nationwide Building Society reckon that house prices have actually gone up by 10% in the last year. However, this is due to the fact that their are too few people willing to sell and the lack of supply is keeping the prices artificially high.

More mortgages on the market is just the start of the solution, consumer confidence plays a major part and until people are comfortable with job security, etc. the market will remain sluggish.