Do you ever have that reality check? A bit like when you realise you now have three kids in the back of the car? You look around and think of how the mortgage landscape has changed? All those banks, with HUGE brand names, the way...
This morning’s City A.M. hosts an article showing how London’s house prices are performing.Initially it seems amazing that prices – especially in the smarter part of town – are higher now than even at the height of the boom in 2008. Take a look at...
Welcome to our French cousins. Please come and join us in London. The capital city of Europe that offers balance, sensible taxes, job opportunities, the ability to set up your own business easily and still a fantastic rate against the Euro.Did I mention we don’t...
The news is that mortgage lender’s are not feeling very well – AGAIN. There are lots of reasons behind this, let’s not go into all that right now. It is SO boring.However the effects are that lender’s are trying to reduce the amount they are lending....
Is open for business like never before. In fact its without a doubt one of the most aggressive banks currently in operation.Fortunately its proprietors are experienced property owners themselves. They have seen the UK property market in operation over an economic cycle or two. They...
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This week will mark the three year anniversary when the MPC slashed the Bank of England Base rate to its current level of 0.50%.All sorts of records are being broken. Obviously the lowest bank base rate since Noah’s ark. But also more telling is the...
It’s our fault. Just a few weeks after praising Santander for being a proactive, sensible, well thought through lender, this.With effect from midnight on Thursday, all Santander mortgages with a loan to value over 50% will HAVE to be set up on a repayment basis....
From time to time you discover something new. This week we learnt two facts that have been effecting and will effect mortgage processing in the future.Firstly – the information that Credit Agencies can disclose to lenders is about to change. To date (as far as...
One of the side effects of an exciting recession is the plethora of government reports and inquiries into our misdeeds. Isn’t it amazing how much naughtiness everyone can get away with in the good times only for it all to catch up with up later?MPs,...