You can expect most of the lenders who were gaining strength in 2013 to continue to do so in 2014 but Financial Conduct Authority action may affect some smaller organisations so care is needed in your selection. 

Business borrowers will be particularly helped by the Government’s curtailing the Funding for Lending scheme for residential mortgages, thus forcing lenders to concentrate on business loans.

With reasonable confidence now in the housing market, international trade improving and investment in industry also increasing, prospects look much better for the economy as a whole; and there is money to be borrowed for those who need it!