Articles tagged "mortgages"

Computer Age

Monday, December 8th, 2014

It is not up there with Einstein’s “Theory of Relativity”, but there is a property equation that is becoming increasingly puzzling and baffling! We are all living longer, yet the “House Years” – the window in which we can obtain a run-of-the mill average mortgage – seem to be diminishing! The average age for first-time […]

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TIME PASSAGES

Monday, November 3rd, 2014

Are we in danger of wishing our lives away? Apparently, those who lived through – and survived – the sixties are the envy of today’s younger generation. From the Beatles and JFK via England’s 1966 World Cup victory to Butch Cassidy and the Sundance Kid and Neil Armstrong landing on the moon, that was the […]

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STRESS TESTING!

Monday, July 21st, 2014

Finally – and fortunately – we have confirmation that our obsession with property ownership has gone too far. Forget the madness of £140m price tags on London flats, 30% annual increases, sealed bids way over the asking price or the successful buyer paying estates agents “finders’ fees” as well as the seller. None of the […]

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HOME BANKER

Tuesday, June 17th, 2014

What happened to the banking revolution? After the collapse of Northern Rock in 2007, the bailing out of the Royal Bank of Scotland (RBS) and Lloyds with public money a year later, the government made bold promises of a new banking era. The traditional banks were to be challenged by new lenders on the High […]

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INSURE YOUR FUTURE

Monday, May 19th, 2014

Could the mortgage market review (MMR) be creating some of the very problems it is attempting to eradicate? It is clear that “affordability” and the intrusive questioning into the customer’s financial lifestyle is likely to continue a trend of declining insurance cover. Monthly insurance premiums, along with pension contributions, can reduce your chances of getting […]

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The Right to Buy

Friday, February 7th, 2014

Are we in a property “bubble”? – Or “boom”? Or just a “recovery” or a “correction”? Take your pick. The Bank of England has announced a leap in mortgage approvals of 20% in 2013, an increase of 122,315 on the previous year. Much of the increase is down to government schemes allowing first-time buyers to […]

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The Perfect Storm

Monday, November 4th, 2013

Fancy A Cambridge first-class honours degree? Cut down on the partying, work hard and it’s within your grasp. Anything over 70% gets the job done. What about the most nerve-wracking moment of adolescence? Not that. The driving test on which hangs the freedom of the road. You can make up to 15 driving faults – […]

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Life Outside the Help to Buy Scheme!

Thursday, October 17th, 2013

If you are looking to sell or move your home you will be more than aware of the recent activity and press speculation surrounding the Help to Buy scheme phase two. If you are about to approach a lender for a mortgage you should be aware that there is ‘life outside’ the Help to Buy […]

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Sunshine or storms for the housing market?

Thursday, September 12th, 2013

With everyone back from the Summer Holidays we can reflect on the recent press speculation about the increasingly optimistic data regarding the housing market. Last week BBC Breakfast even did a two-part special focused on the increase in both house building and mortgage availability. The RICS Residential Housing Market Survey reported recently that house prices […]

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Top Tips for a Successful Mortgage Application!

Wednesday, May 22nd, 2013

The easy availability of mortgages was a key factor behind the credit crunch, and once the global banking system started to implode it was one of the first things to give. Lenders have cracked down on loan-to-values and tightened up lending criteria, making it hard for all but the most angelic homebuyers to get a […]

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