A CVT does not strictly require the presence of a clutch. Nevertheless, in some vehicles (e.g. motorcycles), a centrifugal clutch is added to facilitate a neutral stance, which is useful when idling or manually reversing into a parking space.
While it does not take perfect credit to get a decent mortgage, buyers with better credit scores get mortgages with lower interest rates and may be exempt from certain fees during the mortgage process. First-time home buyers should be aware of their credit histories and expect mortgage rates to reflect them.
The average age of a first-time buyer has risen to 31, according to Moneyâs exclusive research. Indeed, the majority only get onto the ladder after receiving help from their families. Many of their parents bought their first homes while in their twenties using 100% mortgages.