First Direct, Broken & Busted, the [Un]Co-Op all hike their rates, Halifax invents a new fee (they're calling it the "account fee", we like it) in order to snatch another £245 from your back pocket while you're celebrating getting any kind of a mortgage at all... but here's Charcol's Ray Boulger telling us it's all about to get better. Kind of. To paraphrase: with these kinds of stupid margins, it makes sense for the banks to get out there and lend all they can. That makes everybody feel a whole lot better.

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