Research from Mform has found that just ten lenders are currently offering mortgages up to 90% loan-to-value (LTV) - with Royal Bank of Scotland the only lender part-owned by the Government to do so.
Just one lender - Ipswich Building Society - is willing to lend at 95% LTV and only to those who have been customers for at least six months.
In contrast, in April 2008 - around eight months into the credit crunch - there were 41 lenders offering 405 deals at 95%, accoring the firm's figures.
"It is incredible to remember that in April last year there were still plenty of 95% mortgages around," explains Francis Ghiloni, marketing and business development director of MformIFAonline
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