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The mortgage market in the UK remains weak, according to an industry body.
In its latest market commentary, which it releases on a monthly basis, the Council of Mortgage Lenders (CML) acknowledged that there have been signs recently that the country may be past the worst period for the housing market.
It also said that house prices appear to be more stable at present than they have been over recent months.
However, the CML added that lending volumes remain low.
It stated: "A small increase in house purchase activity has been offset by low remortgaging levels.
"Despite media reports, there is little evidence that borrowers, in aggregate, are taking advantage of low interest rates to pay down mortgage debt."
A trade association for the mortgage lending industry, the CML has a membership comprising banks, building societies and other mortgage lenders.
It aims to foster favourable operating conditions for firms in the mortgage industry.
