One expert says many buyers for the first time at the highest level whist single market for home loans with the lowest values of the loans will be frozen for potential buyers of a mountain to climb to get enough to buy their depositing a first home. If mortgage lenders get more than 90 percent for first time buyers in the market will gradually disappear, the more stagnant property market and prices fall, which prevents the magazine causes of mortgages, said Ben Wilkie first-time buyers have now a substantial deposit, which found a large sum of money for the amount of the guarantee, especially because many student loans or other unsecured debt.The problem must purchase the first time. Some lenders offer 90% of the loan, but the costs and expenses to the buyer of a house is half of the population to collect at least 20,000 for a household to obtain loans, "said Wilke. The criteria for the granting of mortgages that could further increase is unlikely to have a rapid return to the place where 100% loan to value of credit in order to see clearly a problem for people to sell their home will soon no doubt risk of exclusion because of divorce, separation, unemployment or other unforeseen circumstances. The lack of buyers for the first time, this means that the seller still has to focus on reducing the number of buyers, especially if you need a quick sale. The best advice I can give people, said the creation of a good professional, a realistic price for your home to create, to ensure that repairs are carried out each bid, and charged ready to consider all possible options and solutions, as expected, the market is tighter than in the winter months draw.