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One of the biggest threats to the health of the property market is a decrease in the number of mortgages available to buyers. Banks are withdrawing credit because they are afraid of price drops in housing prices, but this then becomes a self-fulfilling prophecy because people will not even be able to get access to the property market. This has resulted in consumer confidence declining.

We all know that the property market is a fickle one. One minute we are told prices are rising, the next we are told its a buyers market and property inflation is stagnating. So what do we do? Who do we believe?

If you are buying your first house youre probably caught somewhere between feeling terrified and excited. The purchase of a home is the biggest financial commitment of your life. If you thought your student loan was daunting, multiply it by at least 10 and you are somewhere near your share of a mortgage. Scary!

If you are hoping to sell your home this year you are facing a tough market. Things have improved since early 2009 when the chance of selling your home for the price you wanted was highly improbable. At least now house prices are 7.5% higher than they were in April 2009. However, we are not out of the woods yet.

Despite news that house prices only rose 0.1% in June, down from a 0.5% rise in May, overall the housing market is expected to grow by 3.5% in 2010 and 1.9% in 2011. The average British house is now worth ?170,111.

Buying your first property is a strange mixture of exciting and terrifying. It is also a huge financial burden that is sometimes too much to bear. With the average British house price now just over ?170,000, it is something many people simply cannot afford, largely because of a shortage in high loan-to-value mortgages, but also because of the over inflated price of houses in many areas.

Buying a home is for most people the single most expensive financial commitment that will be undertaken, and so it is of course vitally important that you end up with a good property. Here are a few points to consider when you are house hunting.

House price growth slowed in June. According to Nationwide Building Society prices rose by just 0.1%, the slowest rise since February this year. The average house price now stands at ?170,111. This pulled average annual house price inflation down to 8.7% from 9.8% in May.

The housing market has just got even tougher. For one reason or another ? probably the recent abolition of HIPs by the new Coalition Government ? there has been an influx in the number of new instructions coming onto the market in June. This increase in supply is outstripping demand, which in return is having a cooling effect on house prices, where were up by only 0.1% in June.