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Air Max Thea Txt

According to Halifax's findings, first time buyers are getting older, despite the series of new schemes aimed at giving them a helping hand. The average age of a first time buyer is now 30 years old, up from 29 in 2011. In London, first time buyers are typically aged 31. The rising age of the first time buyer is hardly surprising given another finding about Nike Air Max Thea Womens Black

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the lack of people willing or able to buy their "starter" home from them. Halifax's figures also show how ultra low interest rates have helped to improve mortgage affordability for first time buyers in recent years.

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 figure represents a jump of more than one fifth (22%) on 2012, and the strongest annual rise seen since 2001. This increase is significant and not simply for those frustrated people whose dreams Air Max Thea Txt of buying their first home have been repeatedly quashed in recent years. First time buyers are a vital piece of the whole housing market jigsaw. Without them, housing market chains grind to a halt. People who want to take their second step up the housing ladder, perhaps because they've started a family and grown out of their existing property, become stuck from Nike Thea Gray

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the size of deposit this sector needs to scrape together. The report found that the average first time buyer deposit in 2013 .

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first time buyer's disposable earnings spent on mortgage payments stood at 30% in the last three months of 2013, compared with a peak of 50% in the summer of 2007. A string of Government schemes has given those aspiring to get on the property ladder a helping hand, too. In October, a new phase was launched in the Help to Buy scheme, which offers state backed mortgages to people with deposits of just 5%. But critics of the scheme have argued that a lack of homes for sale amid rising demand from buyers has put an upward pressure on house prices, meaning buyers have to stretch their borrowing further to keep up with the price increases. Fears have also been raised about what will happen to borrowers when interest rates rise and mortgage payments go up.

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