What the financial, property & mortgage themes of 2021 mean for 2022

Well, what a year that was… financial, property & mortgage themes of 2021. I could talk for hours about events of this year, and if you are after a very funny and yet scathing review of the year Frankie Boyle’s New World Order would be a great place to look. Granted he is not everyone’s cup of […]

Flattening economic data and the mortgage market

Before I discuss the flattening economic data… I have mainly been lying in a dark room today, recovering from what is akin to PTSD after my daughter’s birthday parties yesterday… After the last few years, we thought it would be a great idea to throw a joint party for my daughters who are turning 5 […]

Rise in interest rates expected

I have been quite flattered of late as I have been approached by several journalists and news outlets for commentary around the expected rise in interest rates. I have selected a few of the more interesting snippets below: This recent article in Bloomberg picked up a theme we have been talking about for some time, in that […]

Bank of England Interest Rate Rise Effect on Mortgages

As widely anticipated, the Bank of England has raised its benchmark interest rate from 0.1% to 0.25%. As it has been a good while since we have been in an environment where we expect interest rates to rise steadily over the next few years, here are a few things to look out for from a […]

Annoying the French, house prices & net mortgage borrowing

Before we get onto house prices and how net mortgage borrowing has more than doubled…more on annoying the French. Perhaps this reflects badly on me, but there seems to be something deeply satisfying having a spat with the French. Don’t get me wrong, I was an ardent remainer and I still think Brexit was an […]

Mortgage Loans Get Larger

Navigating the complex world of mortgage loans may seem tough but if you feel you have had a hard week, just spare a thought that it could be worse, you could be Ole Gunnar Solskjaer… Conversely, it’s a good time to be in the property market, mortgage loans are getting larger, credit conditions are easing, […]

(G)rate expectations | Change in interest rate outlook?

This is as sexy as mortgages get! Could there be a change in the interest rate? If you can get past the rather poor play of words in the title, there was a large shift in the market last week around expectations of where the Bank of England may move interest rates to. That naturally […]

100% Mortgage Lending Back!

Before I get onto 100% mortgage lending I just want to give my take on the Pandora Papers. For anyone familiar with the Greek Myth of Pandora’s Box, it is actually a way more complex tale than simply regretting finding out what is in forbidden places. Look up Stephen’s Fry’s excellent book (which is amazingly […]

Mortgage Lending Above Pre-Covid Levels

For anyone who sat in a queue for fuel this week, you probably had time to reflect that this country really isn’t functioning at an optimal level at present, to say the least… Luckily for me, I am one of those smug electric car drivers, but it has been quite surreal seeing huge lines outside […]

Property Wealth Hits £4.87tn!

The key to property wealth is that it’s a long-term game. For regular readers, you will know that I am a huge fight fan, so I was glued to the TV on Saturday night for the AJ vs Usyk fight to see how boxing’s equivalent of a chess match would play out. It actually went […]