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The latter half of this decade has seen borrowing rates in the UK soar, with many home-owners seeking to re-mortgage their properties in order to be relieved  from crippling repayments.  However, they face serious challenges. Whilst sub-prime mortgage lending in the US is seen to have been a major cause of their current fiscal predicament, the UK heeded the warning, and lenders are becoming increasingly selective about who they will lend to.