The Council of Mortgage Lenders (CML) has called on the government to strengthen the 'safety-nets' for homeowners borrowing for mortgages.
The CML argues in its pre-Budget report that borrowers who find it difficult to make repayments need more support.
According to the CML, home-ownership is by far the most popular form of tenure in the UK, with loans over £1 trillion funding 11.6 million mortgages - but government support does not reflect this.
CML head of research and information Bob Pannell said: "It is surprising that at a time when the government is promoting the wider benefits of home-ownership, the safety-nets it has in place to help struggling home-owners are being neglected."
CML figures just released show that lending for October hit a new monthly record – at £30.3 billion for the month alone.
But in September, Citizens Advice Bureaux warned that around 770,000 people had missed one or more mortgage repayment in the past year.To read more about mortgages, click here.
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