The median first-time buyer had been produced 95 percent mortgage between 1985 and 1997, then a 90 per cent home loan before the financial meltdown, whereafter the median LTV dropped to 75 % as market conditions tightened, together with only managed to make it back again to 85 percent by 2017 (ahead of the tightening there have been 95 % mortgages in the marketplace, however they were scarce). Read more
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