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Mortgage article 24:Lending Slows for Christmas but Reaches Record Levels in 2001; page 2

The good news for borrowers was that December saw the fifth successive fall in average new mortgage 
rates, to 4.68% . The average new variable mortgage rate was 4.38% and the average new fixed rate 
5.19%. 37% of new loans were taken out at fixed rates - the highest percentage of the year.

On average, first-time buyers borrowed 79% of the value of their property representing 2.39% of 
their income, while former owner-occupiers borrowed an average of 64% of the value of their 
property and 2.27 times their income.

Commenting on the figures, CML Director General Michael Coogan said - Next page

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