Slightly better news for hard pressed buyers is the return of that endangered and maybe even thought to be extinct animal – the 100% mortgage. The Bank of Ireland have stepped back into the market with a 100% loan product. Sandy McFarlane – long time mortgage advisor at Caesar and Howie, cautiously welcomes the news. “It is encouraging to see some better news for buyers. However – folk shouldn’t get carried away just yet. This is a niche product with fairly strict requirements including having a guarantor. So the product will have a limited market I think – but it will still get some first time buyers back in buying mode. And who knows – once one lender comes back in maybe others will follow.” If you wish to know details of this or any other mortgage product currently available – call Sandy on 01506 815900.