new buyers are being squeezed more, partly due to demand huge deposits banks and building societies told the BBC they expect any significant recovery in mortgage loans next year.Validation of new mortgage loans processes could "restricted place... ready cement", refusing to much the possibility of purchasing the houses they want, they added.
The warning comes after figures showed new mortgages last month, making £ 12, were lowest for a decade.
First time buyers are more affected by the drought of loan.
Mortgages are barely one-third of the level of personal finance BBC correspondent Simon Gompertz said three years ago.
For accession, many of those that could easily allow monthly payments on a mortgage is prevented from buying that deposits are so strong, he added.
Average payment for new buyers is 24% of the price.
Room pricesMeanwhile, financial supervision, the Financial Services Authority (FSA) has developed banks and companies building on notice that it will take more stringent assessments of applicants mortgage loan income and ability to pay, especially if there is a significant increase in interest rates.
Lenders warn that this stricter regime would prevent half of recent borrowers to get a mortgage.
Last week the Council of mortgage loans said mortgage lenders continue to be mastered.
Total mortgage in October the same as in September was but figure lowest October since 2000.
After picking up even earlier this year, sales of property and real estate prices have declined since the summer surveys such Bank of Halifax showed.
In the meantime, the Royal Institution of Chartered Surveyors (to) has pinpointed a surplus from sellers to buyers as a key factor in the recent drop in price.
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