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.
You can find typical first time buyer mortgage rates. The number of 90% and 95% mortgages on the market is on the increase so provided you meet lendersâ affordability criteria if you have a 10% or 5% deposit it may be possible for you to get a mortgage.his is because the more money you have to put towards a house, the less of a risk you pose to a lender. In recent years first time buyers have typically used a 20% deposit to buy a house. But donât despair if youâre struggling to save a large deposit there are still many mortgages out there for first time buyers.