Interest rates and lending conditions continue to change on an almost weekly basis, at present – particularly for investors.

As the banks and other lenders come to grips with the new government restrictions on what they can offer and who they can offer it to, many are simply increasing their rates and decreasing the amount they’ll lend.

It’s not all bad news, though – amidst all the changes strong, but perhaps lesser known institutions are releasing some excellent offers, well below those of the four big banks.

Frankly, there’s never been a better time to review your current mortgage, choose a lower rate, and lock in the savings for the next few years