There are calls for greater consistency in the UK mortgage market in order to give borrowers more confidence.

The Royal Institution of Chartered Surveyors (Rics) wants lenders to provide some guidance on the minimum loan-to-value they are prepared to lend.

It is hoped that this will give borrowers more confidence as they will be able to focus on reaching a deposit target.

Jeremy Leaf, Rics spokesman, told BBC Radio Five Live''s ''Wake Up To Money'' programme that it is important for borrower confidence to be restored.

"If your lender, whom you have been with for many years, or somebody you want to do business with, suddenly tells you that even when you are apparently very credit worthy you cannot have that loan, then inevitably it is going to have some effect on your confidence and may even deter you from buying," he said.

"From my point of view, what I would like to see is some consistency return, even if there was a level of say 80 per cent or 85 per cent, so people could save up and they would know that when they hit that button that there was a good chance of them getting a mortgage," continued Mr Leaf.