With the country in the grip of a credit crunch, homeowners face a tense time as the housing market faces an uncertain future.

As the housing market continues to stutter, and with the introduction of Home Information Packs (HIPS) brings more uncertainty upon the market.

The credit crunch which began in the US caused a ripple effect in the world markets, affecting economies around the world.

But what effects could the current crisis have on your mortgage in 2008?

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