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New Build NewBuy Scheme Proving Big Success

Written by Sam Jones on Tuesday, 02 October 2012 13:24.

The Government’s NewBuy scheme has just celebrated 6 months in existence having been introduced in April this year. The Scheme looks to support a difficult housing market. Since its launch the scheme has proved a huge success, with a number of lenders now offering 95% mortgages requiring modest deposits from as low as 5%. The new homes mortgages are potentially available up to a maximum purchase price £500,000.

Divorcing Solicitors Squander Money on Own Divorce

Written by Sam Jones on Monday, 01 October 2012 11:52.

The Daily Mail online recently reported that two divorcing solicitors lost a fortune on legal fees, fighting over their £3.2m home. The former husband and wife returned to court recently following the expensive separation, this time to argue over maintenance payments.

Affordable Homes Fall 68% in 2 Years

Written by Sam Jones on Monday, 01 October 2012 10:48.

It is recognised that there is a severe housing shortage of new homes nationally and this is particularly so in London and the South East.  This has been compounded by the availability of credit for new build houses . As the UK population increases and more people head for the lager conurbations, the shortage of new build houses for town planners, local and national Government is a pressing problem.

Lib Dems Target HNW Individuals

Written by Sam Jones on Sunday, 30 September 2012 08:34.

Danny Alexander addressed the Liberal Dem Party Conference last week and targeted the well-off warning those with wealth and large mortgages: "You can move your money off shore but you can't move your mansion".

Nearly two million retirees cashing in on homes

Written by Sam Jones on Saturday, 29 September 2012 10:59.

More than a quarter of working homeowners approaching retirement plan to use their house to help supplement retirement income, research from LV= reveals. Nearly half of all HIPpies, or the home in pension generation, say they would consider downsizing to a smaller property, or getting a mortgage over 70 such as an equity release product (17%) in order to access the money in their property during retirement.

Banks and Building Societies Handling 19,550 Complaints A Day

Written by Sam Jones on Friday, 28 September 2012 17:46.

Banks and building societies are handling an average of 19,550 complaints a day according to a recent FCA Report. These include complaints from those who have looked to get a mortgage, insurance, investments and general banking services.

Barrister Mortgages – The professional casualty of the credit crunch?

Written by Sam Jones on Friday, 28 September 2012 15:40.

In a credit crunch, doctors are still on call, dentists need to extract teeth, accountants still prepare accounts and Barristers still need to litigate contentious matters – or do they?

Critics question Government plan to build way out of recession

Written by Sam Jones on Thursday, 27 September 2012 12:31.

Measures to encourage construction through funding for homebuilding and less stringent planning controls, aimed at boosting the economy, have come under fire.

Payday Loan Trap for Mortgage Holders

Written by Sam Jones on Wednesday, 26 September 2012 17:29.

Santander research claims that over 1 million UK households are borrowing £2 billion a year by way of payday loans which they are using to pay essential household bills such as gas, electricity and water. “Whilst there may be a general necessity and clearly there is a need, the existence of payday loans can be viewed as a poor indicator of both overall affordability and general household management when it comes to mortgage lending” according to Rob Killeen, Business Manager at Capital Fortune.  

There is evidence that the very existence of a payday loan application, whether taken or not can now result in a mortgage application being declined.

Incomes set to' rise next year'

Written by Sam Jones on Wednesday, 26 September 2012 15:01.

UK households are set to see a rise in real income levels for the first time since the beginning of financial crisis which may assist people seeking to move up the property and get a mortgage