AVERAGE MORTGAGE AMOUNTS •Overall average mortgage amount required was £136,604, a 67% loan to value (LTV) •FTBs were looking for an average mortgage amount of £130,518, a 67% LTV •Those users seeking to re-mortgage their property required an average mortgage amount of £155,801, a 63% LTV

SALARIES •The overall average salary of main income earner was £38,818 •An average FTB's salary was £36,090 •Those users looking to re-mortgage had a main income of £44,292 •For two income households, second salary averaged out at £23,199 for FTBs; £25,670 for users looking to re-mortgage.

Ends

* The following information is based on mortgage product search criteria provided by 5,400 randomly selected visitors to Moneynet site for period 01.03.05 – 31.03.05

APV = Average Property Value AMA = Average Mortgage Amount ALV = Average Loan to Value

OVERALL Mar05 APV=£205,518 AMA=£136,604 ALV=67% Mar04 APV=£197,723 AMA=£127,714 ALV=65% Mar03 APV=£192,445 AMA=£121,476 ALV=63%

FIRST TIME BUYERS Mar05 APV=£195,282 AMA=£130,518 ALV=67% Mar04 APV=£172,475 AMA=£129,072 ALV=75% Mar03 APV=£161,700 AMA=£118,301 ALV=73% BUY TO LET Mar05 APV=£171,049 AMA=£125,499 ALV=73% Mar04 APV=£172,475 AMA=£117,072 ALV=73% Mar03 APV=£158,818 AMA=£115,682 ALV=73%

REMORTGAGE Mar05 APV=£249,322 AMA=£155,801 ALV=63% Mar04 APV=£226,504 AMA=£110,625 ALV=49% Mar03 APV=£223,956 AMA=£109,755 ALV=49%

When searching for low interest credit cards, it is also important to be aware of fees associated with using credit card. These fees can include annual fees, transfer fees, approval fees, etc.

If you have increased your credit score from last time you got a credit card, you can apply for a new low interest credit card. A credit check can let you know if you are improving your credit score.

Low interest credit is also beneficial to financing your home, automobile and similar items. To get low interest car loans, it is beneficial to search online. Low interest home equity loans can substantially decrease your monthly payments. Find out your credit rating before you search for a loan. Next you can locate average interest rates for people with similar ratings. This way you will know when you are getting a good deal.

If you have run up your debt to an unmanageable amount, you can seek debt reduction services to bring it under control. One way to reduce your debt by lowering your interest rates is to seek debt consolidation. Debt consolidation allows you to pay off your loans through one low interest credit loan.

A debt consolidation service can help you find low interest credit. Debt consolidation usually allows you to get a secured loan to finance your unsecured loans. A secured loan is a low interest credit loan since it is backed by collateral.

One way a debt consolidation service can help you is by re-mortgaging on your current home. Re-mortgaging includes finding low interest credit loans to substitute for your current mortgage. By getting this better deal, you will end up saving a lot of money on interest payments.