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Huge Aspiration Gap for First Time Buyers

Written by Sam Jones on Tuesday, 23 October 2012 22:40.

A large aspiration gap exists amongst potential first-time-buyers in the UK, according to LSL Property Services. London Mortgage Brokers Capital Fortune, report that the organisation found that 94 per cent of registered tenants want to become homebuyers, but only 7 per cent expect to buy this year. Furthermore, only 54 per cent believe that they would be in a position to make a purchase within five years.

Many rental properties not reaching basic standard

Written by Sam Jones on Monday, 22 October 2012 16:28.

Shelter in association with British Gas are commissioning the largest ever census of the state of private rented accommodation and it is estimated the study will help over 1 million UK households improve their housing standards. Initial research has found that 1.4m private homes, those in private rental do not meet basic standards and if such properties were in the public sector, they would be deemed unfit under the Government's Decent Homes Standard, whether they have landlord building insurance or not.

CML Reports Lending Falls Year On Year as Rent Prices Continue To Rise

Written by Sam Jones on Sunday, 21 October 2012 14:50.

The CML, Council of Mortgage Lenders has just reported disappointing news on the levels of UK lending. New research indicates that lending in September has been 15% lower than September last year and is 10% lower than last month, estimating total borrowing was only £11.6 billion last month.

Lending to Business and First Time Buyers Still Remains Challenging

Written by Sam Jones on Saturday, 20 October 2012 11:38.

New research from the Bank of England indicates that approvals for residential mortgages have fallen in the 3 months  to August when compared to the three month period before. This appears in contrast to the figures produced on the availability of secured lending to households which appears to indicate a significant increase in  the 3  months to September. The economic conditions in the wholesale funding markets deemed longer term funding markets has improved during quarter three of 2012 however the availability of finance across  businesses of all sizes remained the same, the Bank has said.

Everything you should know about holiday let mortgages

Written by Sam Jones on Friday, 19 October 2012 15:10.

In England alone, there are more than 200,000 properties that were bought as holiday lets or second homes. Beauty spots such as the Lakes, the Peak District, Wales and the Norfolk coast are very popular locations and some people choose to buy a holiday let abroad.

First Time Buyers in London Save For Record 18 Years 5 Months For Deposit

Written by Sam Jones on Wednesday, 17 October 2012 16:56.

UK first-time buyers are increasingly searching for properties they believe are a good investment and are saving for a deposit by using high interest savings accounts a study has shown.

House Asking Prices Rise as Mortgage Lending Remains Subdued

Written by Sam Jones on Tuesday, 16 October 2012 18:42.

New research from Rightmove appears to indicate that house prices are on the increase. Asking prices rose 3.5 percent in September and new vendors ask an average £8,310 extra- this is the largest rise in 8 months.

Funding For Lending Scheme Relaxed Rules

Written by Sam Jones on Monday, 15 October 2012 13:59.

The FCA has recently announced rules which will allow banks to hold less capital reserves and a broader variety of assets in their capital buffers. The reserves protect banks from over-lending and the greater flexibility will allow lenders participating in the scheme to grant a greater volume of finance including residential mortgages.

Barrister Mortgages and Maternity Leave

Written by Sam Jones on Sunday, 14 October 2012 14:02.

The first female was called to the Bar in 1922, only 90 years ago and the number of women practicing in the last two decades has significantly increased. Women are conquering the legal profession, but there is evidence, there has been far less success in the financial world. This is particularly so, when considering the issue of maternity leave. Barristers seeking barrister mortgages are treated like any other self-employed person, but whilst the impact of maternity leave on all women looking for mortgages is significant, the impact on a Barrister can be hugely problematic.

Home Mortgage Finance available for Gardeners, but little if you work for the Queen?

Written by Sam Jones on Saturday, 13 October 2012 12:30.

As mortgages remain assessed on the basis of affordability and suitability working for Her Majesty the Queen, tending to the beautiful gardens of Buckingham Palace unfortunately is unlikely  to secure you very much home mortgage finance.