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Beating the mortgage crunch may seem like an uphill task for many homeowners but industry sources insist that it always pays to seek independent advice from a mortgage broker as they can advise on products from the whole of the market. Currently, homeowners and lenders are raising their rates in the wake of Bradford & Bingley crisis as the mortgage market continue to suffer a clampdown. Market experts forecast that total mortgage lending could be halved over the year. This week has seen both Alliance & Leicester and Nationwide have increased their fixed rate mortgages by up to 0. 25% and 0. 3% respectively. Coupled with a high LIBOR, the rate at which banks lend to one another means that the future is poor for the estimated 1. 4 million people whose fixed-term deal will draw to a close this year. hsbc auto loans financing car loans loan care servicing sources for loans for bad credit