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Despite liquidity returning to the market, not everyone will be able to secure themselves a mortgage, it has been warned.

Timothy Lambert, sales and marketing manager at Ducalian, said those with a good credit history will be able to secure a mortgage, although others may struggle.

"Only those who already have money can make money out of this recession and that is different to previous recessions where property and finance were not so drastically hit," he stated.

Mr Lambert stressed that mortgage rates vary depending on circumstances and loan amounts, which could encourage those struggling financially to get debt management advice.

The British Bankers’ Association reported last month that 26,097 new mortgages were approved in March 2009 – down from the previous month’s seasonally adjusted figure of 28,024.

The average number of new mortgages per month for the previous six months was 23,152, it found, while the average value of a new mortgage was £128,600 in March.

Furthermore, gross mortgage lending in March was £8.9 billion, while February seasonally adjusted figure was £9.2 billion.

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