Dow Jones - Pressures on household finances, stalling house prices and tighter lending criteria in response to lower liquidity are all constraining demand for house purchase and equity withdrawal loans, which are both well down on levels last year. In contrast, there is an active remortgaging market as people switch lenders to obtain better deals. With some GBP18 billion of new lending and nearly 150,000 loans approved in April, it's clear that, contrary to some reports, the mainstream mortgage market hasn't ground to a halt.