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Latest Finance News related to Cheap Mortgage

‘Modest’ interest rate rise on cards, says Bank of England expert image
Source : Daily Express [Read Article] Friday 21st of April 2017 08:49:00 PM
.... . Homeowners who have enjoyed cheap mortgage deals since 2009 could struggle if their monthly repayments go up. ...
London home movers drops to lowest level since 1991, mortgage figures show image
Source : Daily Express [Read Article] Wednesday 22nd of February 2017 04:38:00 PM
....Borrowers were typically 37 years old, showed data from the trade organisation. On the other hand, re-mortgage activity in London was up last year, as home owners took advantage of cheap mortgage rates. ...
Is property facing a meltdown in 2017? image
Source : Daily Express [Read Article] Sunday 11th of December 2016 10:10:00 AM
....ERA OF CHEAP MONEY. Households are hooked on cheap mortgage finance, but we may now be at a dangerous turning point with the US Federal Reserve expected to hike interest rates by 0. ...
Five minute guide to helping the young manage finances image
Source : Daily Express [Read Article] Sunday 20th of November 2016 12:01:00 AM
....This echoes research by the Resolution Foundation, which showed that twentysomethings now earn £8,000 less than their predecessors. Daniel Hegarty, founder of digital mortgage broker Habito, says low interest rates mean cheap mortgages, but they are also driving up property prices: “As income levels decline the first rung on the housing ladder is increasingly difficult to reach. ...
Brexit boom: House prices jump in July  image
Source : Daily Express [Read Article] Thursday 28th of July 2016 11:59:00 AM
.... "Determining how much of any fall-back in activity is the result of the tax changes and how much is due to the referendum will be difficult. "In the longer term prices are set to keep rising amid cheap mortgage costs and low supply. ...
Number of UK landlords rises to 1.75 million image
Source : Guardian [Read Article] Sunday 29th of May 2016 11:01:17 PM
....The HMRC figures are the latest data on landlord numbers, which are likely to have increased significantly since. Buy-to-let lending has boomed as cheap mortgages and rising rents, combined with low savings rates, have made property attractive to investors. ...
British property market has peaked, estate agency boss says image
Source : Guardian [Read Article] Tuesday 24th of May 2016 05:34:48 PM
.... In Hampstead and Notting Hill, prices are down by as much as 10%, while agents Douglas Gordon said “overinflated prices [are] stymying sales” in markets further out. But the continued ready availability of cheap mortgages, plus a persistent shortage of newly built houses, may see first-time buyers fill the gap left by landlords and keep prices high. ...
Mortgage lending for March returns to record high of £17bn image
Source : Guardian [Read Article] Tuesday 26th of April 2016 10:25:26 AM
....Buyers frantically closed property deals ahead of the introduction of a 3% hike in stamp duty for buy-to-let and second homes that began in April. Remortgaging by existing home owners also leapt, with households taking advantage of cheap mortgage deal amid the widespread belief that interest rates will stay low for an extended period of time. ...
Britain’s growth prospects take new hit as housebuilding slows to three year low image
. Despite Government measures, cheap mortgage deals and an improved planning system underpinning bullish outlook statements from building companies, the results of March’s Markit/CIPS construction purchasing managers’ survey painted a more subdued picture. ...
Why a 'leave' vote will not harm your personal finances image
Source : Daily Express [Read Article] Wednesday 24th of February 2016 12:01:00 AM
....uk. Mark Harris, chief executive of mortgage broker SPF Private Clients, says cheap mortgage rates and a shortage of supply are likely to sustain buyer demand throughout 2016. ...
Mortgage lending 'highest for 7 years' image
Source : BBC [Read Article] Thursday 21st of January 2016 12:49:05 PM
....The CML said lending had recovered faster than expected. Growing wages, falling unemployment and cheap mortgage deals were among the reasons. ...
The best and worst performing FTSE 100 shares in 2015  image
Source : Telegraph [Read Article] Thursday 17th of December 2015 12:03:09 PM
.... . Housebuilders' shares have rocketed over the past five years, benefiting from favourable government policies, record low interest rates and cheap mortgages. ...
Bad news for homeowners as house prices suffer shock DROP image
Source : Daily Express [Read Article] Tuesday 8th of December 2015 01:34:00 PM
....However, prices are still nine per cent higher than they were at the same point last year. Critics said November's blip was simply a seasonal anomaly and prices are on course to race higher come 2016, amid record low supply, cheap mortgages and and rising wages. ...
Bank Rate won't rise until 2017 - but mortgage rates are rising now image
Source : Telegraph [Read Article] Friday 4th of December 2015 07:37:08 PM
.... . This is already feeding through into the withdrawal of ultra-cheap mortgages (two big lenders, NatWest and TSB, repriced their fixed-rate mortgages upwards on Friday). ...
Will the buy-to-let tax derail housebuilders' shares?  image
Source : Telegraph [Read Article] Saturday 28th of November 2015 06:30:34 AM
. Housebuilders' shares have rocketed over the past five years, benefiting from favourable government policies, record low interest rates and cheap mortgages. ...
1.1m UK households had mortgage debts worth 4.5 times their income in 2013 image
Source : Guardian [Read Article] Wednesday 7th of October 2015 12:24:06 PM
.... A household’s leverage is the amount of debt they have relative to their income. Recent reports pointed to an increasing number of households rushing over the summer to snap up cheap mortgage deals before they disappear off the market. ...
Borrowing up amid rates speculation image
Source : BBC [Read Article] Thursday 24th of September 2015 09:49:47 AM
.... This means criteria will have to loosen and rates will have to remain low to ensure lenders hit their volume targets," said Mark Harris, chief executive of SPF Private Clients. "For many, the main issue is not so much finding a cheap mortgage rate but being able to prove affordability to satisfy the lender and meet [the regulator's] tighter criteria. ...
House prices rise again under pressure from 'highly constrained' supply image
Source : Independent [Read Article] Thursday 10th of September 2015 01:13:07 PM
....The acceleration means annual house price growth now stands at 9 per cent. A shortage of secondhand properties as well as economic recovery, earnings growth and cheap mortgage borrowing were behind the spurt, said Halifax's housing economist Martin Ellis. ...
Brighter economy boosts SME lending in second quarter image
Source : Telegraph [Read Article] Thursday 3rd of September 2015 06:25:08 PM
.... . The Bank re-calibrated the FLS at the beginning of 2014 following criticism that it was funding cheap mortgages rather than business loans. ...
UK mortgage lending in July hits seven year high image
Source : Guardian [Read Article] Thursday 20th of August 2015 10:34:34 AM
....”. However, he added that, for many borrowers the main issue is not so much finding a cheap mortgage rate but being able to meet the tighter lending criteria now required by lenders following last year’s mortgage market review. ...
Heat rises for mortgage deals as UK homeowners sense a rate hike coming image
Source : Independent [Read Article] Friday 14th of August 2015 09:00:00 PM
....However, he acknowledged that rising property prices are causing problems for those who aren't wealthy. "Many people are struggling to buy, despite the cheap mortgage rates," Mr Adams said. ...
Mortgage lending rebounds in June thanks to first-time buyers image
Source : Guardian [Read Article] Tuesday 11th of August 2015 06:35:06 PM
....That helped push overall lending up by 22%. The CML said cheap mortgage rates meant first-time buyers were putting the smallest proportion of their income towards their mortgage payments since its records began in 2005. ...
Homeowners in frantic race to remortgage before rates go up image
Source : Telegraph [Read Article] Tuesday 11th of August 2015 11:13:15 AM
.... . The website also credits cheap mortgages to the Help to Buy mortgage guarantee scheme, in which the Government takes on some of the risk of the loan. ...
Source : Independent [Read Article] Friday 7th of August 2015 05:15:00 AM
....“Super Thursday” was just that for the FTSE 100’s housebuilders. With just one of the Bank of England’s rate-setters voting for a hike, the market decided that record low rates, and therefore cheap mortgage borrowing, would continue into at least early 2016. ...
UK rents 'most expensive in Europe' image
Source : BBC [Read Article] Wednesday 24th of June 2015 10:15:50 AM
. UK rental costs are the highest in Europe but homeowners are benefiting from cheap mortgages, data suggests. ...
The economics of retirement: the power of pensioner spending image
Source : Guardian [Read Article] Monday 22nd of June 2015 09:20:30 AM
....Chancellor George Osborne’s “pension freedom” reforms, introduced in April, which allow the over-55s to cash in their savings, could worsen the imbalance. Mark Harris, chief executive of mortgage broker SPF Private Clients, says: “The reforms will give buy-to-let yet another boost as more elderly people take advantage of cheap mortgage rates to invest in property. ...
Housing boom shifts focus to Scotland image
Source : Guardian [Read Article] Tuesday 19th of May 2015 01:16:50 PM
.... The relaxation of pension rules last month is likely to provide a further boost for the sector. A combination of cheap mortgage rates, easing criteria and poor savings rates are convincing many that investment property is a sensible home for their money. ...
Mortgage lending dips 16% in February image
Source : Guardian [Read Article] Tuesday 14th of April 2015 02:40:13 PM
.... “The relaxation of pension rules this month is likely to provide a further boost for the sector. A combination of cheap mortgage rates, easing criteria and poor savings rates are convincing many that investment property is a sensible home for their money. ...
Mortgages for 105-year-olds under pension freedoms image
Source : Telegraph [Read Article] Saturday 4th of April 2015 09:00:19 PM
.... . Along with capital growth and regular income, experts said that the relaxation of age restrictions, cheap mortgage rates, rising demand from tenants and poor savings rates have convinced many people that buy-to-let is a sensible way to provide for old age. ...
Pros and the cons of zero inflation image
Source : Daily Express [Read Article] Sunday 29th of March 2015 12:20:00 PM
....". Andy Knee, chief executive of property specialists LMS, says low inflation and cheap mortgages will also support house prices: "We expect the market to be buoyant once the general election uncertainty is over. ...
The real story on young vs old: who's robbing whom? image
Source : Telegraph [Read Article] Sunday 8th of March 2015 07:00:25 AM
.... Experts believe interest rates will stay low for the foreseeable future, meaning young home buyers could be enjoying low repayment rates for years to come. Also benefiting from these cheap mortgages, however, are Britain’s growing army of buy-to-let investors, who number well over a million and are mostly aged 40 and over. ...
Nationwide: UK annual house price growth weakest since September 2013 image
Source : Telegraph [Read Article] Monday 2nd of March 2015 07:58:59 AM
.... . But Nationwide said the underlying picture of improving wages and cheap mortgage rates was likely to cause house prices to rise faster than in recent months, a view shared by Howard Archer, an economist at consultancy IHS Global Insight. ...
Annual house price growth weakest since September 2013 image
Source : Reuters [Read Article] Monday 2nd of March 2015 07:28:13 AM
....7 percent was the lowest since September 2013. But Nationwide said the underlying picture of improving wages and cheap mortgage rates was likely to cause house prices to rise faster than in recent months, a view shared by Howard Archer, an economist at consultancy IHS Global Insight. ...
Sellers finally get real on house prices - is now the time to pick up a bargain? image
.... . Despite the low interest rate environment and wide range of cheap mortgage deals on offer, the sentiment index, which each month tracks whether homeowners think the price of their property will go up or down over the next 12 months, fell from 74. ...
First-time buyers at highest level since 2007, says Halifax image
Source : BBC [Read Article] Tuesday 6th of January 2015 12:01:05 AM
....That was the highest total since 2007, at the start of the financial crisis. The main reason was cheap mortgage rates, and government schemes like Help to Buy, which require small deposits. ...
House price predictions 2015: what next for property? image
Source : Telegraph [Read Article] Tuesday 23rd of December 2014 11:27:33 AM
. House prices rocketed in the first half of this year as cheap mortgage deals plus a larger number of loans for borrowers with a small deposit encouraged more buyers into the market. ...
Octobers financial market storm: 10 ways it affects your finances image
Source : Guardian [Read Article] Friday 10th of October 2014 04:16:42 PM
....A slowdown in prices is already apparent, with surveyors reporting fading momentum across the UK. House prices rely on economic confidence as much as anything else, and could be dented if the European economy slides, although high population growth, weak supply and cheap mortgages mean a price crash is highly unlikely. ...
House prices: which EU countries have performed best? image
Source : Telegraph [Read Article] Friday 10th of October 2014 03:13:20 PM
.... Much of the UK's growth can be attributed to the London property market, where a shortage of homes and strong foreign investment drove prices up. However all regions of the UK have experienced price rises of some degree in the last 12 months, buoyed by cheap mortgage rates and Government schemes such as Help to Buy. ...
Ticking time bomb: Interest rate rises are coming, so start preparing now image
Source : Independent [Read Article] Friday 26th of September 2014 05:10:00 PM
.... . “However, if you have had a mortgage for some years, you may have got used to cheap mortgage rates and not given any consideration as to what you will do when rates rise. ...
Average house price in England and Wales approaching 2007 peak image
Source : Guardian [Read Article] Friday 26th of September 2014 10:36:51 AM
....”. He added: “While there may be a slowdown in the £2m-plus market regarding concerns about a mansion tax if Labour win the general election, the mainstream market motors along with borrowers taking advantage of cheap mortgage rates and an improving economy, which brings better job security. ...
Best five-year fixed rate mortgages drop back below 3pc as rate rise fears ease image
. Borrowers looking to lock in a cheap mortgage rate should consider a five-year fix after lenders slashed rates to below 3pc for the first time in months. ...
Source : Independent [Read Article] Friday 22nd of August 2014 11:57:52 PM
....The average monthly cost of running a three-bedroom house for someone taking their first step on the property ladder stands at £677 – £110 lower than the typical monthly rent paid on a similar property, according to the Halifax. In recent years, cheap mortgage deals have helped to turn round the cost gap between buying and renting a home. ...
Is this the top of the London housing market?  image
Source : Telegraph [Read Article] Tuesday 19th of August 2014 09:39:39 AM
....3pc in the 12 months preceeding June. Runaway house price growth in the capital is now reversing due to a combination of over-inflated prices with the eradication of cheap mortgages following the Mortgage Market Review. ...
Homeowners slash house prices in largest-ever summer sale image
Source : Telegraph [Read Article] Sunday 17th of August 2014 09:35:20 PM
.... . Vendors, who have been trying to cash in on record high values, are now discounting to attract buyers who have been deterred by talk of interest rate rises and the eradication of cheap mortgages. ...
Interest rate rise becomes more likely as property market takes off again image
.... Lenders have been cutting buy-to-let rates and easing criteria in an effort to ensure lending volumes are not too dented post-MMR because buy-to-let doesn't come under its remit. Investors are benefitting from cheap mortgage rates, less strict criteria and plenty of demand from tenants looking for decent property to rent. ...
June mortgage figures suggest it's full steam ahead for the property market image
.... Lenders have been cutting buy-to-let rates and easing criteria in an effort to ensure lending volumes are not too dented post-MMR because buy-to-let doesn't come under its remit. "Investors are benefitting from cheap mortgage rates, less strict criteria and plenty of demand from tenants looking for decent property to rent. ...
Full interview transcript: Martin Andersson, head of Sweden's financial regulator image
.... But the problem with that approach is that it might be detrimental if households get into economic difficulties due to lower incomes or unemployment for instance. A rule that forces households to amortize might end up forcing people to amortise their relatively cheap mortgages, when in fact they have other expensive credits, or, loans that come with a much higher interest rate that should be paid down first in order to sort out their financial situation. ...
£1,250bn and rising: how buy-to-let is overtaking pensions  image
Source : Telegraph [Read Article] Saturday 31st of May 2014 07:50:57 AM
.... . And while traditional pension saving is complex and unpopular with many, the phenomenon of buying-to-let is now growing at its fastest rate ever, spurred by rising rents and house prices and cheap mortgages. ...
OECD warns housing boom risks overheating UK economy image
Source : Telegraph [Read Article] Tuesday 6th of May 2014 09:00:44 AM
.... . The OECD welcomed the steps taken by the Government and the Bank of England to remove support for cheap mortgage lending via its Funding for Lending scheme, but said more action could be required to help ensure a balanced recovery. ...
'Property millionaires club' to reach 500,000 this year image
Source : Telegraph [Read Article] Friday 2nd of May 2014 07:35:33 PM
.... . The housing recovery has been driven by foreign investors, greater access to cheap mortgage finance and demand for properties far outweighing supply in many areas. ...
Mortgage clampdown is too late and too harsh image
Source : Telegraph [Read Article] Monday 28th of April 2014 01:15:45 PM
.... Many families who took on debt in the lackadaisical lending environment before the 2008 crash could fail the new tests, industry insiders fear, despite clean repayment records. This could prevent home movers taking with them cheap mortgages that track Bank Rate, even if such a facility is in the contract. ...

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