Jill Kerby Financial Matters: Innovation is what the mortgage market needs

Jill Kerby Financial Matters: Innovation is what the mortgage market needs

A new range of residential mortgage products could be just the thing to give consumers – and that includes retirees – more choice in the sector

There’s a scramble under way to get more access and choice into the mortgage market, and to make home ownership more affordable for first-time buyers. While the banks have indeed extended more credit this year than last, it has clearly not been enough to meet demand due to the Central Bank’s strict lending rules.

The government has a number of not particularly successful schemes available to first-time buyers and sub-prime borrowers whose incomes...

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