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Adverse LTVs lower then average

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	THE MORTGAGE BUG

	Adverse Loan To Values lower than average
	Author: www.mortgagesolutions-online.com
	Average loan to value (LTV) ratios in the adverse sector are lower than the general UK average, specialist lender Edeus has said. Analysing over 6,000 lending decisions submitted to Edeus from September 2006 to date, it found that the average LTV was 76.7%, while data from the Council of Mortgage Lenders found that the average LTV for house purchase in 2006 was 80%, and 90% for first-time buyers. Edeus has said the research contradicts speculation that adverse borrowers are set to experience similar problems to those seen in the US sub-prime market. Nicola Severn, head of PR at Edeus, said: "These findings demonstrate

			that the UK market is far from vulnerable." Adverse borrowers are not mortgaging themselves to the hilt, they know what they can afford and are able to service debt. There will of course always be those who struggle to meet repayments but the clear message from this data is that there is definitely no need for panic." Date: 26/07/07

			News article from Mortgage Solutions http://www.mortgagesolutions-online.com

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Adverse LTVs lower then average

Adverse Loan To Values lower than average