Things are getting more difficult for home-owners and first-time buyers. Lloyds has announced this morning that the second-time buyer market is still at its toughest for decades.

And earlier this week Santander became latest mortgage lender to up its rates.

The BBC's business correspondent Dominic Laurie, Martin Ellis, chief housing economist at Lloyds and Ray Boulger, Senior Technical Manager at John Charcol, an independent mortgage and remortgage adviser, examine this issues.

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