Although 100% mortgage lending for first time buyers is either a log way away from ever happening again or will never happen again, 90% mortgages have typically been considered the route to home ownership for many. Despite the existence of 90% mortgages the number of options have been greatly reduced by the financial crisis, partly due to some lenders removing themselves from high LTV lending practices or closing their doors to new lending altogether but also due to lenders ‘cherry picking’ customers despite offering deals which attract a large number of enquiries. But lenders should see an opportunity arising. A recent report