Looking back to 2010, at what turned out to be quite a boring year in the housing market in comparison to the years preceding it, there have been a number of changes which could set the scene for a…
Looking Back and Looking Forward
As we enter 2011, what are the prospects for the housing market? After having a negative year, will house prices rally this year? In theory with interest rates having remained historically low, and with many first time buyers eager…
Independent Advice for Individual Needs
We often hear things in conversation about what we should all be doing with our money. If somebody does well with their finances because they have done something different, they will tell all their friends and family that that’s what…
Mortgage Squeeze
Although the European Union plans to draft new proposals on responsible lending and borrowing at the end of the year, the Financial Services Authority is pressing ahead with its plans now. It feels that any delay would be to the…
Looking After Your Credit Files
In the new world of mortgages, it has become much harder to obtain credit. The people who have felt this more than any, are those that have below average credit ratings. Partly due to the number of missed payments and…
Hats Off to Caps
The mortgage market may have turned a corner in giving purchasers and people remortgaging long term security, without having to commit to higher long term fixes rated. Until now borrowers have had the option of opting for either long term…
Guarantor Mortgages
Just as one door shuts another one opens. Recently, Halifax and Cheltenham Gloucester have said that because demand is low, no longer will they offer guarantor mortgages. Hot on the heels of this announcement, the Mortgage Works, the specialist lending…
Getting Your Foot on the Property Ladder for the F
When you’ve never owned a property before, it can seem like quite a daunting task to take on a loan of tens of thousands of pounds, the kind of money you probably haven’t seen in your entire life. There’s lot…
Further Troubled Times Ahead?
Due to the lack of money available to them, banks and building societies are being forced to limit the amount of money that they lend to their customers. Any money that they are lending needs to fit increasingly strict criteria. …
Family Mortgages
Just as one door shuts another one opens. Recently, Halifax and Cheltenham Gloucester have said that, because demand is low, no longer will they offer guarantor mortgages. Hot on the heels of this announcement, the Mortgage Works, the specialist lending…