The Mortgage Professor: The fixed-rate, adjustable-rate decision

Tougher rules mean a growing number of borrowers are finding it hard to get a mortgage. But there are options for those who no longer fit lenders’ criteriaAre you over 45? Self-employed? Divorced and remortgaging late in life? Got your eye on a great ex-council house? Or like the look of that cheap studio flat? If you are in any of these groups, you are likely to be among the growing number