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Bank Lending Up as Mortgage Optimism Rises

Created on 21 April 2013.

Mortgage lending increased 1% in February compared to the previous month, according to the latest data from the British Bankers' Association.

Comeback for high loan to value deals as NatWest opens up 90% mortgages

Created on 26 March 2013.

NatWest is opening up its range of 90% loan to value deals to all customers in as sign that higher loan to value deals are making a comeback. A two-year fixed rate at 5.99% with no product fee is now ...

Building Society Rates Lower Than Banks

Created on 16 February 2017. Posted in Live News

Competition is still fierce in the mortgage market, and with many high street banks claiming to launch the cheapest products ever on their records, many borrowers could assume that the mortgage rates from ...

What Does Brexit Mean for Britain?

Created on 24 June 2016. Posted in Live News

... changing much. Importantly, many lenders may be able to bring in cheaper funding given the fall in gilt yields reducing further the costs of longer term funding. We believe there will be more competition ...

Building Societies Offering Better Interest Rates Than Banks

Created on 23 June 2016. Posted in Live News

... instead, building societies are the clear winners when it comes to mortgage deals. The figures show that average mortgage rates on offer from building societies can be as much as 0.50% cheaper than the ...

Lenders free up lending to focus on safer interest-only loans

Created on 02 October 2015. Posted in Live News

... interest-only mortgages became too freely available and too easy to get. Borrowers could buy a home on a cheap monthly payment through interest-only, rely upon house price growth to make them some cash ...

Could interest rates be cut even further?

Created on 25 September 2015. Posted in Live News

... to spend today if they can get it cheaper tomorrow. Who would buy a car today for £10,000 if they know it will cost £9,500 in six months’ time. People will hold on to their cash and ...

Five key ways a Tory election win affects your mortgage planning

Created on 29 May 2015. Posted in Live News

...  That plan affects the cost of UK Government debt – gilts. The price of fixed rate mortgages is intrinsically tied to gilt rates so the lower their yield the cheaper fixed rate mortgages will be. In ...

Are 100% mortgages on the way back?

Created on 20 May 2015. Posted in Live News

... eats into your loan. It is also a good practice to save for a deposit and earn a house purchase even if it can prove a long and difficult process. Bigger deposits will give you a cheaper mortgage rate ...

Will the Bank of England cut rates further?

Created on 18 May 2015. Posted in Live News

... currency against the Dollar and Euro. An appreciating currency is a sign of economic strength as investors rush into the UK. It also makes holiday money cheaper as a Pound becomes worth more and you ...

Can David Cameron keep mortgage rates low?

Created on 03 March 2015. Posted in Live News

... a more trusted plan to repay its debt then the interest rates it pays to finance its debt will be lower. It works the same for a mortgage. If you are a more trusted borrower then you get cheaper rates. ...

Millions Overpaying on Mortgages -The Cost of Complacency?

Created on 01 February 2015. Posted in Live News

... no doubt, that fixed-rate and tracker mortgages are at their cheapest level in 25 years, and those on any Standard Variable Rate, should look at the rfull range of products now available. What Is Available? ...

Lenders cut rates on long-term fixes

Created on 16 January 2015. Posted in Live News

...  New policymakers will have new priorities and it is impossible to predict so far into the future. However, the Bank’s loose position is reflected in cheap 10 year fixes and other longer deals trying ...

Remortgage Boom as Two Thirds Sit on Variable Rates

Created on 01 June 2014. Posted in Live News

... to lure people away from standard variable rates. Cheap government finding schemes also saw fixed rates drop significantly. Despite banks' best efforts, we are not surprised that more than two-thirds ...

What are the Problems Facing Expats Landlords?

Created on 22 April 2014. Posted in Live News

... the a menu of options from the cheapest to the most flexible to the most secure. The UK rental market is growing stronger with house prices rising and rents increasing. It is little wonder that expats ...

What would an Independent Scotland Mean for Mortgages?

Created on 17 February 2014. Posted in Live News

... create problem in addressing key economic problems such as housing bubbles or cheap loans. Scotland could be open to cheaper or more expensive mortgage rates than is optimal. Rates would also be significantly ...

The Big Mortgage Question - Is it Time to Fix?

Created on 26 January 2014. Posted in Live News

... ensure you pay a cheap short-term rate and then repay a higher level when you have more money. There are so many permutations to consider that it can be overwhelming. There are offset mortgages, interest-only ...

Inflation falls to lowest levels in four years

Created on 14 January 2014. Posted in Live News

... property costs. Fixed rate mortgage costs have plummeted in the last year though due to the Funding for Lending scheme providing banks with cheap loans to pass on to consumers. Standard variable rates ...

Rates Won't Rise Quickly - Carney

Created on 08 January 2014. Posted in Live News

... support fades. Carney is withdrawing the Funding for Lending scheme for mortgages at the end of the month. This saw the Bank of England providing cheap loans to banks so they could pass them on to ...

Tenant demand set to grow again in 2014

Created on 06 January 2014. Posted in Live News

... is harder to raise mortgage finance now than one year ago. Just one in six cite cheap finance as a key reason for why it is a good time to invest, though this is up from one in 11 in December 2012. This ...