The news is that mortgage lender’s are not feeling very well – AGAIN. There are lots of reasons behind this, let’s not go into all that right now. It is SO boring.However the effects are that lender’s are trying to reduce the amount they are lending....
Is open for business like never before. In fact its without a doubt one of the most aggressive banks currently in operation.Fortunately its proprietors are experienced property owners themselves. They have seen the UK property market in operation over an economic cycle or two. They...
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This week will mark the three year anniversary when the MPC slashed the Bank of England Base rate to its current level of 0.50%.All sorts of records are being broken. Obviously the lowest bank base rate since Noah’s ark. But also more telling is the...
It’s our fault. Just a few weeks after praising Santander for being a proactive, sensible, well thought through lender, this.With effect from midnight on Thursday, all Santander mortgages with a loan to value over 50% will HAVE to be set up on a repayment basis....
From time to time you discover something new. This week we learnt two facts that have been effecting and will effect mortgage processing in the future.Firstly – the information that Credit Agencies can disclose to lenders is about to change. To date (as far as...
One of the side effects of an exciting recession is the plethora of government reports and inquiries into our misdeeds. Isn’t it amazing how much naughtiness everyone can get away with in the good times only for it all to catch up with up later?MPs,...
Santander this week launched into the UK buy to let market. This is great and exciting news.Firstly it re-enforces the message that the UK property market is a safe place to invest and to lend into. Santander obviously are eyeing up some profits and good...
Assessment of the mortgage market for buy to let going into the new year…...
With impending European gloom and bank stocks bumping along the bottom – things don’t look great right now.The 2008 crisis saw UK lenders hammered and it’s quite possible Credit Crunch mark II is arriving swiftly.At that time, those who acted before the disasters unfolded reaped...