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Lloyds TSB has introduced a new service to help people buying property in Spain.Own Overseas provides the mortgage finance for Spanish property as well as providing support for the buyer in dealing with local bureaucracy.”Buying a home overseas is a very real and modern aspiration and Spain is certainly a favourite choice for Britons.

Although exciting, it is a big commitment and, for many, a step into the unknown in dealing with local customs and laws,” said Annette Hawes, head of Lloyds TSB’s Own Overseas service.Own Overseas will offer mortgages on Spanish properties while based in the UK. Mortgages can be taken out in either pounds or euros, on a repayment or interest only basis, over a period of five to 25 years. Mortgage payments will be taken from the customer’s UK bank, avoiding the need for overseas money transfers.

Paul Cooper, head of mortgages at Alliance and Leicester, has welcomed the forthcoming new mortgage regulation, but warned consumers to be prepared for a lengthier process when it comes to buying a home loan.Mr Cooper urged consumers to shop around earlier for the best deal and encouraged them to decide in advance how much they want to borrow.

“On the whole Alliance & Leicester welcomes mortgage regulation, however there are some issues that consumers will need to be aware of post M-Day,” he said.”We believe new processes and documentation introduced, such as the Key Facts Illustrator (KFI) will provide borrowers with a better understanding of mortgages and a greater degree of transparency to compare and contrast mortgage products. “We are likely to have a more confident and better informed borrower in the future.”

But Mr Cooper warned that, as from November 1st, the mortgage application process will become more extensive and therefore even more time consuming.”Consumers won’t be able to just pop into a few branches during their lunch break to get three or four ‘quick’ quotes,” he said.

There was a drop in mortgage loans in September for the second consecutive month, according to the latest data from the Council of Mortgage Lenders (CML).The survey, which covers both banks and building societies, recorded a 4 per cent drop in gross lending between August and September. And at £25.4 billion, gross lending in September showed the first year-on-year drop since October 2000, at nearly 2 per cent lower than the £25.9 billion advanced in September 2003.As in August, September’s fall in lending reflected a sharp reduction in loans for house purchase. House purchase loans totalled £11.2 billion, compared with £12.8 billion in August. Lending for house purchase was 23 per cent lower in September than the record £14.6 billion recorded two months earlier in July. Just 44 per cent of total lending was for house purchase in September, down from 48 per cent the previous month and from last September’s figure of 47 per cent.Remortgaging held up, increasing to a monthly record of £11.5 billion in September compared with £11.0 billion the previous month and £11.3 billion last September. This is likely to reflect a strong appetite on the part of consumers to seek out good-value deals, especially as their earlier special deals mature, and the CML expects this to continue.Fixed and capped-rate mortgages maintained their relative popularity, accounting for a combined 43 per cent of new lending in September.

The average new fixed rate in September was a little lower than the average new variable rate, and for the third quarter as a whole the figures were virtually identical.Commenting on the figures, CML director general Michael Coogan said: “All the latest lending data reinforces evidence that the expected slowdown in the housing market is materialising. “Remortgaging is holding up, but house purchase lending is slowing markedly. Data from other surveys corroborates the picture of an exceptional recent market that is now gently losing steam.

Insurer Standard Life has announced that it has been forced to abandon its promise to make up the shortfall in its customers’ endowment mortgages. The company has blamed poor investment performance for the move, which will affect an estimated 600,000 policyholders.

Many of those covered by the pledge will now receive top-up payments that are thousands of pounds less than they were expecting.In 2000, the mutual pledged that it would guarantee its endowment policies provided it met investment targets. However, policies maturing from 2006 will now not be entirely covered by the pledge.Standard Life claims to have put £393 million aside since 2000 to cover endowment policy shortfalls. The company was estimated to be facing a potential bill of as much as £4.8 billion to meet the promise it had made to policyholders.

The Council of Mortgage Lenders (CML) is advising consumers to check that any adviser they plan to use to arrange their mortgage will be appropriately registered to introduce mortgage business in the future.The move comes just over a month before Mortgage Day - the date on which the Financial Services Authority (FSA) takes over the statutory regulation of mortgages.

Intermediaries must either be directly authorised by the FSA, or must be an appointed representative of an authorised firm, if they wish to continue submitting mortgage business to lenders from November 1st. Applications through intermediaries registered with the Mortgage Code Compliance Board (MCCB) may continue to be made to lenders in October, even if the mortgage does not fully complete until after Mortgage Day. But any new applications received from November 1st onwards must be from FSA registered intermediaries only. Lenders are not allowed to accept business from unauthorised intermediaries under the FSA rules, and will not process these applications.

To avoid possible delays, consumers have been told to check that their intermediary is an MCCB subscriber now, and will be authorised to undertake mortgage business under the new rules, before making their application. The CML emphasised that information from the FSA suggests that the vast majority of intermediaries do seem to be on track to be authorised in time.

Following five quarter point hikes in interest rates since November, the Bank of England has held interest rates steady this month at 4.75 per cent, providing mortgage owners with some long-awaited restbiteThe move was well trailed by financial experts. Of the 83 analysts polled by Reuters and Bloomberg, 82 said they believed rates would stay on hold.

The move to keep interest rates steady comes as the house price inflation that has characterised recent years appears to finally be over. Halifax, the nation’s largest mortgage lender, said that house prices not only stopped growing but fell 0.6 per cent last month.”The housing market is showing further signs of slowing, retail sales look to be softening, the labour market has weakened over the past two months and CPI inflation is benign,” George Buckley, UK economist at Deutsche Bank, explained to Reuters ahead of the decision.