Rate chasing | Your mortgage deal
Interestingly, (if you are a geek like me) last week saw Libor (which stands for 'London Inter Bank Offer Rate' - and reflects the costs and ease at which banks lend to each other) dip under the Bank of England...
Tag: Mortgages
Market update | Rates | Update Videos available
As promised last week, we have now posted the update videos sessions that we ran a couple of weeks back on our website. Below are the specific topics covered and links to where you can see them. They live on...
Mortgage Holidays – What you need to know
Here we look at Mortgage Holidays - what you need to know. As you can imagine, since the Government and Bank of England announced a series of measures to support the economy during this difficult period dealing with COVID-19, the...
How Interest Rates Work (Updated)
Since I first posted this blog back in March, I thought it was worth revisiting this as the rate outlook has done a 180. This is why taking regular temperature checks on market rates are just so important How Mortgage...
The Return of Securitisation?
Unless you are a real mortgage Geek, or an avid reader of the money section in the Times, it may have passed your radar that Lloyds (via Halifax) bought a huge mortgage book from Tesco (Yes, they do mortgages too)....
Market Update – 24.06.2019
Taking time with our clients We have been on a drive of late to meet more of our clients in person, instead of just dealing over the phone or email. This is something I feel very passionately about and the...
How much can I borrow for a mortgage? A complete guide
How much can you borrow for a mortgage? A guide to borrowing and affordability Having done this job for nearly 20 years, the most common question I have been asked by clients is – How much can I borrow and...
Your Home Is Not An Asset
In the first of our newly “themed” updates, I thought I would go straight in on a topic that I feel very passionately about. Your Home is not an Asset I was reading the Times over the weekend. The general...
Preparing Your Property Offer (and market data)
Market Update – We are fortunate enough to work with some of the top agents in London (and let’s face it, Agency is a mixed bag! Hence why we only work with the good guys) so we get a lot...
Mortgage Market Update
Market Update – You would have been living under a rock if you haven’t been caught up a debate that starts with the letter B this week. I have remained relatively tight lipped on the subject to date, mainly as...
Mortgage Market Update
Market Update – The budget looms large later today, but will it be full of tricks or treats? With Theresa May suggesting an end to Austerity it has made it a lot more interesting than I had expected. If I...
Mortgage Market Update
Market Update – M&A action is back in a big way in the mortgage world! (That is Merger & Acquisition, not the place where you buy your chinos). Last week Virgin Money was acquired by CYBG, the parent company that...
European Mortgage Credit Directive
The upcoming MCD (for short), which comes into effect from the 21st March could have a significant impact. As the name would suggest, this is a European wide change so that all EU members disclose mortgage agreements in the same format....
Increase in Stamp Duty
This has been quite well documented, but as of 1st April this year, the Government are introducing a 3% increase to Stamp Duty on house purchases where this is not your main residence. So this will impact any purchase of...
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