So what is going to happen with regard to mortgage credit and the availability of mortgage credit over the coming couple of years?
The truth is that no-one knows for sure.
But quite a few are now predicting that there is not going to be an improvement in this this year and that it could actually get tighter.
With mortgage rates still at such a low however it could still be a good time to get into the housing market even with all the uncertainty around - mortgage rates are after all at a seven year low point.
Fixed rate mortgages can even stop the nasty surprise of hefty rate rises though of course they are more expensive than variable rate trackers.
| 
