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Mortgage Lenders Cut Rates

Written by Sam Jones on Wednesday, 03 April 2013 14:19.

A swathe of mortgage lenders have cut their rates in the past week, indicating the mortgage rate war that has taken place during the past few months has some way to go yet.

And in the battle for the Best UK Mortgage Rate, building societies seem to be coming out on top, according to shared equity loan provider Castle Trust.

Comeback for high loan to value deals as NatWest opens up 90% mortgages

Written by Sam Jones on Tuesday, 26 March 2013 21:32.

NatWest is opening up its range of 90% loan to value deals to all customers in as sign that higher loan to value deals are making a comeback.

A two-year fixed rate at 5.99% with no product fee is now available to all customers and not just those with a NatWest current account.

Two-thirds of second steppers can't get a mortgage to move home, says Lloyds TSB

Written by Sam Jones on Thursday, 14 March 2013 17:17.

Two out of every three people trying to sell their first home are unable to do so because of problems getting a mortgage, according to Lloyds TSB research.

The so-called second steppers are finding it tough to move up the ladder and buy a new property.

So much so that 22% believe it is now harder to move up the ladder than it was to get on it in the first place.

Santander's seven day mortgage deals point the way for brokers

Written by Sam Jones on Wednesday, 13 March 2013 16:05.

At the end of February Santander launched two-year fixed rate mortgage at 2.49% that was only available for seven days.

The deal was available at 75% loan to value ratio making it a cheap rate but it came with a £995 product arrangement fee.

It is the fourth time Santander have launched a short-term deal for seven days and was available up to a maximum loan size of £1m for both purchase and remortgage.

Cost of Raising Child Rockets To £154,440

Written by Sam Jones on Saturday, 09 March 2013 09:50.

The average cost of raising a child to the age of 18 is £154,440, up 15% from 2011, according to Legal and General's 2013 Value of a Parent report. It also found that it would cost £31,500 to replace a mother's contribution to domestic chores over the course of a year.

Lenders Selling Repossessed Properties Cheaply

Written by Sam Jones on Friday, 08 March 2013 17:57.

Since the start of the credit crunch four years ago, UK mortgage lenders have sold repossessed properties at an average discount of 23% compared with 13% prior to 2008.

The analysis comes from Fitch Ratings in a new report 'UK Residential Property Value Analysis'.

Tips To Secure A Mortgage

Written by Sam Jones on Wednesday, 06 March 2013 08:18.

The UK mortgage market has gone through many setbacks over the past five years as banks and building societies try to heal the scars of the financial crisis.

It has become firmly engrained in the public’s psyche that it is almost impossible to get a mortgage and, as a result, many would-be homeowners have instead opted to continue renting, or live at home with their parents.

Best Buy Tables Reveal Banks Reduce Fees to Compete with Lower Rates

Written by Sam Jones on Sunday, 03 March 2013 12:12.

The Co-operative Bank removed the £999 fee on its flagship 2.79% five-year fixed rate deal last week in a bid to undercut its rivals. HSBC have similarly attractive low fixed rates but they come with whopping £1,499 cost on the side, putting off many borrowers.

What the Co-op is demonstrating is that in a world of such low rates it is not just the interest payable that makes a deal the best buy.

Bank of England's negative interest rates could see mortgage prices fall further

Written by Sam Jones on Wednesday, 27 February 2013 19:30.

Just when it seemed that mortgage rates were as low as they can go the Bank of England is now considering negative interest rates. With the Government's funding for lending scheme rates have fallen through the floor in the last few months hitting jaw-dropping lows on two and five-year fixed rates.

Remortgaging Has Favourable Conditions

on Friday, 22 February 2013 17:12.

A quarter of homeowners who remortgaged in January 2013 did so with the intention of using the money to clear debts or aid spending in other areas, according to a survey by the estate agents LMS.