Chancellor of the exchequer Alistair Darling has frequently said he wishes to encourage such long-termism, including fixed rates that last as long as 25 years. Another piece of research, from the Fair Investment Company, has found that 40 per cent of new borrowers would be willing to take on a deal. So emerges the pattern: the longer the fixed rate deal, the more who like the idea.

If Mr Darling's desire for long-term mortgages to be commonplace is fulfilled due to a change in thinking prompted by the credit crunch, then the long-term implications could be significant. For should a large segment of the mortgage market - including owner occupiers and investors - opt for fixed rates that last for many years, it could see an end to the fluctuation in popularity between variable and short-term fixed deals that has characterised the shift between rising and falling rates in the last two years.

In today's world Property investment is an excellent investment option especially investment in UK

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