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Page 4 of 5

The return of bonus income mortgages?

Created on 30 September 2015. Posted in Live News

We are pleased to see the return of flexibility to mortgages after years of rigid processes after the financial crash. Since April last year, lenders have been dealing with the fallout from the biggest ...

Could interest rates be cut even further?

Created on 25 September 2015. Posted in Live News

We note with interest that the Bank of England openly considering whether it should cut interest rates even further than 0.5%. For years the speculation has been one way on when the Bank will eventually ...

Getting a mortgage in the military

Created on 23 September 2015. Posted in Live News

... fail standard credit checks. And even those based entirely in the UK move around too often to pass the basic, standardised credit checks needed for all mortgages. The latest Ministry of Defence statistics ...

The shifting rules of buy to let

Created on 18 August 2015. Posted in Live News

... we are most concerned with plans to regulate buy-to-let mortgages being mooted by policymakers and politicians. Chancellor George Osborne said the Bank of England will be given new powers to direct mortgage ...

Expat landlords shrug off Budget changes

Created on 30 July 2015. Posted in Live News

With the UK property market remaining robust it is good to see so many expats looking to invest in the property market. House price growth has been steady in the south-east and London while growing stronger ...

Mortgage Strategy Wired Presents… Undeserved Borrowers

Created on 24 June 2015. Posted in Live News

... of mortgages for the self-employed and older borrowers. With 15% of the UK’s workforce self-employed this can cause issues, especially for those applicants not able to meet the general high street ...

How can I get a second home mortgage?

Created on 24 June 2015. Posted in Live News

... will be able to benefit from interest-only mortgages given these have undergone a significant retreat in recent years as lenders de-risk after the crash. But some are available and you should not instantly ...

What happens to my mortgage when I get divorced?

Created on 24 June 2015. Posted in Live News

... more or less on a car. All these factors will have a material impact on how much you can borrow on your ability to stay in your property and get a new mortgages. It is then time to work how much you ...

Mortgage market bounces back in April

Created on 23 June 2015. Posted in Live News

We are pleased to see the mortgage market bouncing back to life after a subdued start to the year which is great news for borrowers. In February mortgage lenders dished out £13bn worth of mortgages, ...

What would a Brexit mean expat mortgage borrowers?

Created on 10 June 2015. Posted in Live News

We have many clients who live abroad but own houses in the UK or want to invest in the British property market. Many are Brits abroad [perhaps working in financial centres such as Hong Kong, Singapore ...

Older borrowers win victory in landmark mortgage case

Created on 03 June 2015. Posted in Live News

... and setting maximum ages for mortgages as low as 65. It means some people in their forties would be turned down for a mortgage based purely on their age and nothing else. Lenders say older borrowers ...

Interest rates are changing: How does it affect mortgage borrowers?

Created on 01 June 2015. Posted in Live News

The Bank of England is road testing a new way of setting interest rates that could have a massive impact on mortgage borrowers in the next few years. With Bank base rate at rock bottom 0.5% for more ...

Five key ways a Tory election win affects your mortgage planning

Created on 29 May 2015. Posted in Live News

...  That plan affects the cost of UK Government debt – gilts. The price of fixed rate mortgages is intrinsically tied to gilt rates so the lower their yield the cheaper fixed rate mortgages will be. In ...

London house prices set to fall 3.6% this year

Created on 27 May 2015. Posted in Live News

Since the financial crash London house prices have boomed significantly and left the rest of the country in its wake. However, we can report that house prices are set to grow more strongly outside of ...

Nationwide axes foreign currency mortgages

Created on 25 May 2015. Posted in Live News

... same applies to individuals who work on the continent and are paid in Euros but return to their Sterling mortgage loan in the UK. The rules will only apply to residential mortgages and not currently ...

How the Budget can help you save for a mortgage

Created on 22 May 2015. Posted in Live News

... and paying lower interest rates or lower mortgage terms can be a great way of saving cash. Flexible mortgages such as interest-only deals or offset can be an excellent way of saving money for a rainy ...

Are 100% mortgages on the way back?

Created on 20 May 2015. Posted in Live News

... loan to value mortgages from dozens of lenders. This meant borrowers needed no deposit and could simply take out a loan for the total value of the property. Some, such as the doomed Northern Rock, ...

Will the Bank of England cut rates further?

Created on 18 May 2015. Posted in Live News

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 ...

Buy to let booms 13% in a year

Created on 14 May 2015. Posted in Live News

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 ...

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

Created on 12 May 2015. Posted in Live News

... levels could see further drops in mortgages rates tied to standard variable rate deals or trackers. Let’s hope the Bank is getting it right and falling prices mean more money in your pocket from the ...