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The Nationwide's deal was a "really consumer-friendly move" said Ray Boulger at mortgage broker John Charcol .
BBC: Nationwide offers 125% mortgage
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Ray Boulger, of mortgage broker John Charcol, said that the policies could unclog some of the blockages in the housing market.
BBC: Budget 2013: Mortgage move 'significant' for buyers
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And Ray Boulger, of mortgage brokers John Charcol, points to an even more fundamental trend - just not enough houses are being built.
BBC: House sales have fallen so why are prices still high?
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Mr Boulger said that prices were more likely to go up by 3% to 3.5% this year, rather than 2%, as a result of the moves.
BBC: Budget 2013: Mortgage move 'significant' for buyers
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Mr Boulger said it has been part of the Halifax mortgage terms for some time that payment holidays of up to six months can be taken.
BBC: NEWS | Programmes | Moneybox | Halifax mortgage offer criticised
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"New household formation is currently out-stripping new house building - it has been for some time but is doing so to a greater extent now, " Mr Boulger says.
BBC: House sales have fallen so why are prices still high?
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Ray Boulger, of mortgage brokers John Charcol, said he did not expect to see an increase in interest rates until next year and even then, expected them to "only rise slowly".
BBC: UK interest rates maintained at record low of 0.5%
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Before the financial crisis in 2007 and 2008, Libor would have been, on average, about 0.15 percentage points above the Bank of England's base rate (also known as bank rate), Mr Boulger said.
BBC: Libor scandal: Who might have lost?
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Ray Boulger, at mortgage brokers John Charcol, estimated that in the past 10 years, at any one time only about 250, 000 UK residential mortgages would have had a home loan linked to the Libor rate, rather than the Bank of England's base rate.
BBC: Libor scandal: Who might have lost?