We are currently seeing a mortgage drought and in October there was a crackdown of lending, which is only going to hamper any improvement in the deals available.
According to a report by pensions provider Scottish Widows, there are an increasing number of people who are failing to save any money or many provisions for their retirement.
It has been reported that property sales have increased the most where prices fell, with 2.2 per cent more homes sold in the first six months of 2012.
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