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Smaller lenders to be given greater access and phase-out will now be in 2018
Extra £600m in credit offered in first quarter via Bank of England funding scheme
Funding for Lending Scheme helped spark recovery
Barclays, Leeds BS and Aldermore latest to nudge rates higher
Returns continue to fall
Deals for larger loans are increasingly competitive
Home loan costs set to rise in medium term as flagship scheme ended early
Insurer under pressure as City worries grow
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