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Approvals of home loans in January 2005 fell to their lowest level since January 1999. Only 126,300 mortgage loans were approved throughout the month, representing a 28% year-on-year drop in mortgage loan approvals. With competition between lenders in the home loans market remaining strong Cheap Men's Nike Air Max 97 Ultra' 17 Metallic Silver Shoes , and fewer mortgage applications to go round, now is a good time to take stock of your mortgage with a view to moving your home loan to a more competitive home loans provider.

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How to get the best deal on home loans.

To see if you are paying over the odds for your mortgage you'll need to dig out your last mortgage statement. On the statement it will quote the interest rate you are paying and will most likely quote the loans product that you are signed up to. To see if you can get a better deal all you need do is search the Internet for UK mortgage loans and take a look at the products on offer.

Some of the best loans can currently be found in fixed rate mortgages. Interest rates are as low as 4.44% in some instances, fixed for 3 years or more. Even a five-year fixed home loan may be taken out with some lenders for around 5%.

Some important points!

Before transferring your home loan to another provider it is important to consider the following points

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