Your Mortgage Awards

Click here for the guide to the winners of the 2013 Your Mortgage Awards.

Mortgage lending turned a corner in 2013, with first-time buyer numbers in particular surging upwards by more than a third.

Borrowing to buy second and subsequent homes increased, as did remortgaging. The buy-to-let sector, which had experienced two years of strong growth, cemented its position in 2013 as a cornerstone of the UK housing market.

Continued low interest rates  helped to keep mortgages affordable for more and more borrowers.

Funding for Lending, the government scheme launched in August 2012, which made billions of pounds available to lenders at super-low interest rates on condition that they lent it on to mortgage borrowers and small businesses at low rates, drove down the cost of homeloans for many.

The government’s Help to Buy schemes have also proven a significant boost to borrowing, encouraging the availability of higher loan-to-value mortgages.

With optimism and confidence on the rise, and with some of the larger banks having repaired their balance sheets last year, lenders started to innovate again, offering clever mortgage finance arrangements to help first-time buyers, let-to-buy borrowers and those seeking larger loans, to give just a few examples.

The return of the UK mortgage market is most welcome – although we are a long way from heady pre-credit crisis days in terms of overall mortgage lending and property transactions. And with recovery has come a new set of challenges for the UK’s mortgage providers.

These awards recognise those who have offered the most competitively priced mortgage deals, the most innovative products and superlative service in 2013.

Click here for the guide to the winners of the 2013 Your Mortgage Awards.

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Your Mortgage Awards

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Awards

Widely regarded as the UK's definitive consumer mortgage awards, for 22 years the Your Mortgage Awards have recognised and rewarded those lenders and providers that have offered the very best products and services to mortgage borrowers over the preceding 12 months.

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