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Net mortgage lending showed signs of improvement in November 2008, rising from £413 million to £422 million according to the Building Societies Association (BSA).
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Motorists have been advised to take extra care as they use the roads over the festive period.
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Mortgage payment holidays and Government-backed deferred payment schemes may end up leaving people in greater debt, it has been suggested.
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A recent spike in retail figures last month arose largely due to discounting by retailers rather than the measures announced in the chancellor's Pre-Budget report, it has been suggested.
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New research has indicated that many Britons have saved earlier than usual for Christmas this year, in a bid to prevent the economic downturn impacting upon their enjoyment of the festive season.