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Martijn van der Heijden, head of mortgages at HSBC, said: "Houses prices seem to have bottomed and rates are low – and many of those who put off their (house) purchase last year are starting to look around again.”

"HSBC has been out there throughout the recession, staying open for business for our customers. While other lenders were in retreat, we became the UK's largest lender in the first half of 2009 on a net lending basis."

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