Steven Nicholas, Chief Executive, Tiuta
The latest figures from the Council of Mortgage Lenders, which showed that estimated lending was up 2% in 2011 and at £140bn was £2bn higher than forecast, would appear to suggest that the market is heading in the right direction.
January can often be a quiet month as people recover from their festive overindulgence, catch up on work and pledge to detox for the rest of the month.
Events like the Mortgage Business Expo can give you an idea of where the market is at present.
The residential market would obviously benefit if new lenders were to launch. Lending across the board is low and a boost in available funding would give the market a shot in the arm.