New loan rules will change , to 1 February 2011 Depending on your circumstances you may want to apply before the changes come into effect , others can wait out , so come enjoy the changes Reason to go too fast : Fewer people are not accepted Currently 66 % of applicants mean the representative of the variable interest rate advertised " by banks, but the new rules , that these are kept to a minimum of 51 % , your chances for the top prizes will go down . See more in the MSE news story . Reason to wait : The prices can be competitive We do not k...