KEY POINTS:
Home buyers with no deposit wanting 100 per cent finance will now find it extremely difficult, if not impossible, to get a mortgage.
The contracting property market and international credit crunch has prompted mortgage lenders to tighten loan criteria, to the point where those with little or no deposit - or the self-employed who can't show a track record of earnings - may not be able to get finance.
Are mortgage interest rates out of control? Here is the latest selection of Your Views:
