Brokers and borrowers are spoilt for choice with the number of mortgage products hitting 10,745 in September, 29% more than last year, according to BBA figures.
Fierce competition is driving down rates and opening the mortgage market to many buyers and existing homeowners who were locked out before, brokers say.
Intermediaries already report doing more business so far in 2013 than in the whole of 2012.
High street mortgage lending stepped up a gear in September, said Brian Murphy, head of lending at Mortgage Advice Bureau. "This was more good news for consumers by granting almost 9,000 more mortgage approvals than the average for the previous six months.
"Even before the arrival of Help to Buy 2, September was the second busiest month of 2013 for home buyers. It means that many people who were put off by a lack of access to mortgage finance in the past have every reason to think again about making a move.
“Consumers are spoilt for choice when it comes to mortgage products, with 10,745 options available during September, 29% more than this time last year.
"With fierce competition resulting in beneficial rates and widespread interest in government support for first-time buyers and sellers, confidence is riding high and we’ve already seen more mortgage applications this year than in the whole of 2012.
“With gross lending £1bn higher than the average six months prior to September, it’s clear that the market is growing at a steady pace and should continue to do so in 2014.
"Even so, it’s safe to assume this golden age of mortgage rates won’t last forever, so if saving a deposit is not an obstacle then many buyers may find the best deals are already out there waiting.”
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