There are now quite a few 90% and 95% mortgages available with short-term fixed rates as low as 1.99% from First Direct.
However despite some great headline deals, recent figures indicate that not many mortgages are actually being offered to borrowers.
Those that are approved are often on different terms to those advertised by the lender due to strong credit scoring criteria..
L&G research shows that 55% of those seeking a new mortgage in the next two months, when their current fix ends,
fear they will have trouble finding a new deal.
For the latest up-to-date mortgage best-buys see
Mortgage current best-buy deals