Britons are becoming increasingly confident in the outlook for the housing market, according to the latest Halifax housing market confidence tracker.
The average rate of a five year fixed mortgage has fallen just over 100 basis points from 5.87% in April 2010 to 4.86% in April this year.
The national average asking price for homes topped May 2008 levels in April 2012, figures have shown.
The average mortgage fee has risen by 27% in the last three years, research has shown.
Northern mortgage payers are a third more likely to suffer mortgage arrears, analysis has shown.
Consumer loyalty could be costing some an excess of £780 a year, compared to those who look around.
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