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Are 100% mortgages on the way back?

Written by Sam Jones on Wednesday, 20 May 2015 08:00.

We were delighted to see the back of 100% mortgage as a happy consequence of the financial crisis as lenders pulled back.

Back in the heady days before 2007 there were hundreds of deals for 100 per cent loan to value mortgages from dozens of lenders.

Will the Bank of England cut rates further?

Written by Sam Jones on Monday, 18 May 2015 08:00.

We have been delighted to see interest rates at rock bottom levels for more than six years giving a major boost to homeowners.

In the teeth of a financial crisis, rates were dropped to 0.5% to introduce a much-needed monetary stimulus.

Buy to let booms 13% in a year

Written by Sam Jones on Thursday, 14 May 2015 15:20.

Buy-to-let is booming. That’s what the latest figures from the Bank of England tells us anyway with a 13 per cent year on year growth.

We believe this is fantastic news for current and aspiring landlords as the buy to let sector gets back on its feet.

Inflation: What is it and what does it mean for my mortgage?

Written by Sam Jones on Tuesday, 12 May 2015 15:20.

The central economic question facing Britain’s top boffins at the Bank of England is deflation and what it means.

Inflation and deflation are just fancy terms to describe price rises and price drops. The way the UK measures inflation levels for the entire country is through the consumer prices index.

Is this the best time ever to get a mortgage?

Written by Sam Jones on Monday, 11 May 2015 14:45.

We are delighted to report that mortgage rates are at their lowest ever levels and experts are predicting they will fall further. There are a number of factors pushing down mortgage deals of all kinds including economic uncertainty in the Eurozone to low interest rates at home.

Will the general election affect my mortgage?

Written by Sam Jones on Wednesday, 06 May 2015 15:20.

Housing is in the spotlight like never before during the general election campaign with all parties promising big bold policies.

Chief among them are pledges from all parties to build more home in order to stop rocketing house prices. During the last year prices across the UK have risen almost 10% and politicians and policymakers do see this as sustainable.

Labour plans to cut stamp duty for first-time buyers

Written by Sam Jones on Friday, 01 May 2015 08:00.

We are pleased to see more reform of stamp duty in the plans of politicians ahead of the general election.

Labour is promising to abolish stamp duty on homes worth less than £300,000 for the first three years of a Labour Government.

Are second homes about to be hit with higher taxes?

Written by Sam Jones on Monday, 27 April 2015 08:00.

We are concerned by yet more political plans to tax property in the UK this time on second homes and from the Liberal Democrats.

We have already seen issues arising from Labour’s mansion tax plans. This is a 1 per cent annual charge on homes worth more than £2m to fund extra spending on the NHS.

Could you pay capital gains tax on your first property?

Written by Sam Jones on Tuesday, 17 March 2015 18:45.

We are looking forward to the final Budget of this Government and, as usual, the speculation about what will be changed has begun. In the last five years the changes for the mortgage market have generally been positive with new schemes such as Help to Buy being introduced to help borrowers get on the ladder.

Pensioners enjoying Govt rewards should think about mortgages

Written by Sam Jones on Tuesday, 10 March 2015 18:30.

We are delighted to see the current Government take such a keen interest in personal financial issues with a series of big reforms. Firstly, the most significant impact will come from radical pension reforms that will come into force on April 6th this year.