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Second Mortgages- Checks and Challenges

Written by Sam Jones on Monday, 03 December 2012 13:09.

When talking about a second home mortgage, this can mean anything from a holiday home, to a second property for later life plan; to housing for one’s children, or as a property investment to be rented out to tenants. Moreover the applicant might not have a mortgage on their primary address, or this might well be a second mortgage. All these elements, and more, will be taken into account by the lender. 

Gardens Are The Number One Priority For First Time Buyers

Written by Sam Jones on Monday, 03 December 2012 09:07.

New research from Yorkshire Building Society reveals that the number-one priority for first time buyers is neither local transport links or closeness to an array of restaurants but having their own garden. The findings however, reveal that the importance of some other features lessens once people actually settle in to their new home, suggesting that a compromise may pay off in the long-term for potential first time buyers. For example, while 36% of potential first time buyers looking for home mortgage finance see living near good public transport as key, it is far less of a factor for those who recently bought their first home at 26%, suggesting this is a compromise they actually made and didn't regret.

Money Plus Group warn of 'Perfect storm of debt issues' approaching

Written by Sam Jones on Sunday, 02 December 2012 19:39.

UK Debt management company MoneyPlus Group warns of a 'perfect storm of debt issues' that would be generated by any increase in mortgage costs and current mortgage rates. The Company has claimed that UK homeowners are putting off dealing with their debt problems as mortgage costs have remained relatively low in recent years, leading to fewer individual voluntary arrangements being taken out.

Mortgage Brokers Numbers on the Rise

Written by Sam Jones on Saturday, 01 December 2012 17:34.

The number of UK mortgage brokers appears on the increase with the new figures from the FCA indicating that the number of firms advising on mortgages has increased. At the peak of the market in January 2006 3,533 primary mortgage firms were registered with the Regulator and this declined to 1,394 in March 2012.

Lending and Self-employment- what are the chances?

Written by Sam Jones on Friday, 30 November 2012 16:10.

  A survey by the ONS found that self-employed individuals made up fourteen per cent of the work force, with temporary/free-lance workers making up an additional six per cent. Despite some of these self-employed and temp workers being professionals, some may be finding it more difficult to get offered a mortgage than those employed by a company.

Positive Future for First Time Buyers?

Written by Sam Jones on Thursday, 29 November 2012 17:17.

Nationwide has doubled its lending to first time buyers in the first 6months of the financial year. In this time frame it lent £2.5 billion to 20,000 first time buyers, thereby not only doubling its lending to new buyers; but also nearly matching the 24,000 first time buyers it lent too all of last year.

Over 60’s property value better than most

Written by Sam Jones on Wednesday, 28 November 2012 17:42.

Property value of the over 60’s has risen since May 2012. ONS figures revealed in August that the nation’s pensioners own property worth more than £750 billion. Nationally, properties gained an average of £2,956 per building, or £13.66 billion nationwide. This comes at a time when by comparison to this time last year, national property values have grown by 2.3%.

London prepares for rental market boom

Written by Sam Jones on Tuesday, 27 November 2012 22:12.

A new independent research paper by Professor Michael Ball at the University of Reading, entitled Renting in London: The Coming Boom, claims that the lack of housing supply in the capital is expected to push rents up significantly over the next 10 years.

The ‘Common Sense’ rules of 2014

Written by Sam Jones on Monday, 26 November 2012 18:12.

Back in October the FCA announced new mortgage lending rules to stop future reckless lending that happened during the last housing boom.

Letting Agents See UK Rents Continue to Rise

Written by Sam Jones on Thursday, 22 November 2012 21:30.

Rental costs across England and Wales hit a further new high in October suggests new data released by LSL Property Services although the pace of rent increases has slowed. LSL, the parent company of Capital Fortune’s mortgage network Home Loan Partnership said that the "heat" had come off the UK rental market as the busy period of new tenants has now subsided.