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Owners of energy-efficient homes could save hundreds of pounds by opting for a green mortgage – available from a growing number of lenders. Borrowers who plan to improve their home's green credentials may also qualify.  Green mortgages are deals with special rates that are only available on properties with high levels of energy efficiency. They are designed to incentivise people to buy an efficient home or to refurbish a draughty one.  There are now more than 25 green mortgages available – from bigger players including Virgin Money, Barclays and Nationwide, as well as smaller building s...

Fixed rate mortgages are to hit a new low with the launch of a 0.95 per cent two-year fix on Wednesday.The deal from Platform, the broker-only subsidiary of the Co-operative Bank, will be available to

A new wave of accidental landlords could find themselves in hot water with mortgage lenders

Wait until summer to get a mortgage, experts warn Banks and building societies will loosen lending criteria to attract buyers First-time buyers should be able to access bargain mortgage rates this summer  First-time buyers should be able to access bargain mortgage rates this summer as the economy rebounds and lenders compete for customers.  Banks and building societies have started to adopt more flexible lending rules, following a year when hundreds of deals were withdrawn from sale.  A mortgage with an interest rate below 1pc has already returned to the market, offered by Hinckley & Rugby...

Jane King, a mortgage adviser at Ash-Ridge, says: 'Most firms offering these 95 per cent deals are High Street lenders, which are less likely to accept applicants with poorer credit histories.  'But if you have just one or two missed payments from say three or four years ago, you may be OK.' Buyers looking to boost their credit scores quickly should make sure they are on the electoral role and that credit reports by agencies such as Experian are accurate.  Misspelt names, addresses and incorrect dates of birth can negatively impact a credit score, but renters can also boost their ratings if...