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....But you are right to think you have a limited choice of lenders when it comes to getting a 90% mortgage on a new-build property, as most won’t lend more than 85% of the value of a new-build house and offer only 75% on a new-build flat. Because of the limited number of lenders, it makes sense to use a mortgage broker such as London & Country or Capital Fortune, both of which have access to special new-build mortgage deals. ... [Read full article on Guardian ]
Thursday 1st of June 2017 06:00:47 AM
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Latest Finance News related to Mortgage Deal

Is a 10% deposit enough to get a mortgage on a new-build house? image
Source : Guardian [Read Article] Thursday 1st of June 2017 06:00:47 AM
....But you are right to think you have a limited choice of lenders when it comes to getting a 90% mortgage on a new-build property, as most won’t lend more than 85% of the value of a new-build house and offer only 75% on a new-build flat. Because of the limited number of lenders, it makes sense to use a mortgage broker such as London & Country or Capital Fortune, both of which have access to special new-build mortgage deals. ...
How to be on the winning side as mortgage war hots up image
Source : Guardian [Read Article] Monday 15th of May 2017 06:00:37 AM
. Just a week after launching what was described as “Britain’s cheapest-ever” mortgage deal, Atom Bank withdrew its 1. ...
How YOU can get up to £2,500 cashback from your mortgage  image
Source : Daily Express [Read Article] Thursday 11th of May 2017 03:59:00 PM
....”“As buying a home is often the most expensive purchase many will make, it is little wonder that borrowers are being enticed by offerings of cold hard cash of up to £2,500. “However, borrowers need to bear in mind that any cashback may not be paid upfront, with many offers typically being paid after the mortgage deal is completed. ...
Drive carefully – I can see a credit car crash up ahead | Phillip Inman image
....The inquiry should attempt to establish whether banks and the leasing firms they underwrite, having exhausted the list of private buyers with solid credit scores, turned to those with chequered credit histories to drum up new business via PCPs. Like the sub-prime mortgage deals of the noughties that brought the world of finance to its knees, PCPs are an American import. ...
‘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. ...
Record low rate signals mortgage battle image
Source : BBC [Read Article] Friday 21st of April 2017 09:48:53 AM
....However, there are significant additional costs that would make the deal less suitable for many borrowers, including those with small loans and first-time buyers, experts say. There are a number of relatively cheap fixed mortgage deals on the market at the moment, but the Yorkshire deal is variable, so the rate could change. ...
Brexit, PPI and high cost credit are top priorities for City watchdog image
Source : Guardian [Read Article] Tuesday 18th of April 2017 05:32:29 PM
....As well as supporting the government’s withdrawal from the EU, the FCA listed a number of other priorities for the coming year including alerting customers to the August 2019 deadline to lodge claims for payment protection insurance (PPI), protecting vulnerable customers, continuing to scrutinise high cost credit and looking at the way people save for pensions. The FCA pointed to customers locked in to mortgage deals they signed before the financial crisis, which they would not be offered now under a new regime requiring lenders to assess the affordability of the loan. ...
Five-minute guide to…The resurgence of first-time buyers image
Source : Daily Express [Read Article] Sunday 19th of March 2017 12:01:00 AM
....First-time buyers “dominated” the housing market in February, making up 36 per cent of all buyers, up from 28 per cent a year ago, according to new research from Connells Survey & Valuation. Corporate services director John Bagshaw says this is the highest proportion in nearly six years, with young buyers helped by competitive mortgage deals: “The housing shortage still makes life tough, but for those with enough savings for a deposit, now is a great time to buy. ...
Interest-only mortgage deals: Bank to help 100,000s borrowers with new change image
Source : Daily Express [Read Article] Wednesday 15th of March 2017 02:15:00 PM
....Age Partnership last year found these borrowers were typically 70-years-old and have £66,035 in outstanding debt. Homeowners often find it difficult to get a new mortgage deals if the term runs into retirement, even though many people could use guaranteed pension income to make repayments. ...
Buy-to-let landlords face huge tax increase from new law image
Source : Daily Express [Read Article] Sunday 5th of March 2017 12:01:00 AM
....”. Jonathan Harris, director of mortgage broker Anderson Harris, says existing and potential landlords need to do their sums carefully: “Check if you could get a cheaper mortgage deal. ...
Co-op Bank is up for sale – is it time to leave? image
Source : Guardian [Read Article] Saturday 18th of February 2017 07:00:33 AM
.... Organisations it has lent to include chef Hugh Fearnley-Whittingstall’s River Cottage HQ, Brighton arts venue Komedia and the Big Issue Foundation Scotland. Ecology building society is dedicated to building a greener society - but it only offers savings and mortgage deals. ...
Should we dip into our savings to reduce our mortgage? image
Source : Guardian [Read Article] Thursday 22nd of December 2016 07:00:40 AM
.... Assuming you can overpay without paying a fee, it it would seem sensible to make the overpayment as you remortgage. That way, it may mean that you have access to better mortgage deals available to people who need to borrow less than 75% or 65% of the value of their property. ...
Is this the END of ultra cheap mortgages? Price hike fears as HSBC pulls record-low deal image
....Ms Nelson added: “Borrowers might feel as though they blinked and missed the lowest rates on the market, for this reason, borrowers need to galvanise themselves now if they want to make the best of the low rates that are still around. "Fixed mortgage rates are still very low in comparison with a year ago, so borrowers who are sitting on their SVR or coming to the end of their mortgage deal need to decide whether they are willing to miss the opportunity to fix to a low rate. ...
Will vote for Trump bring a financial aftershock? image
Source : Daily Express [Read Article] Sunday 6th of November 2016 12:01:00 AM
....” . Ishaan Malhi, founder of online mortgage broker Trussle, says we are edging closer to a potential rate rise in 2017: “Today’s record low rates will not hang around forever, so locking into an attractive mortgage deal now could prove a smart decision. ...
Erupean Union ruling traps homeowners image
Source : Daily Express [Read Article] Wednesday 14th of September 2016 09:49:00 AM
....Unfortunately, the directive still applies despite the Leave campaign’s referendum victory in June and experts say it adds another layer of red tape that Brexit Britain would be much better off without. Rajiv Nathwani, founder of specialist bridging lender Quivira Capital, says applicants are being turned down for mortgages they have already shown they can afford: “Someone with an expiring mortgage deal could be told they cannot afford a new product charging 2 per cent and so be dumped onto an SVR charging 3. ...
Avoid falling into a rate trap image
Source : Daily Express [Read Article] Wednesday 7th of September 2016 04:09:00 PM
....MORTGAGES HELD. More than half of UK lenders have so far failed to pass on lower interest rates to borrowers on standard variable rate (SVR) mortgages, which customers revert to after their initial mortgage deal ends. ...
Can you still afford to buy a property overseas? image
Source : Daily Express [Read Article] Sunday 4th of September 2016 12:01:00 AM
....com) says only a handful of his clients have scrapped their plans, with the majority confidently pressing ahead. Today’s rock bottom mortgage deals have helped, slashing costs, especially on the Continent where the European Central Bank now runs negative interest rates. ...
Pensioners releasing equity from homes to help kids onto property ladder image
Source : Daily Express [Read Article] Tuesday 23rd of August 2016 07:08:00 PM
....The simplest way is to give buyers the cash for a deposit, but many cannot afford this. He said: “The good news is various specialist mortgage deals now allow families to help without giving money away. ...
AA drives into mortgage market with fixed-rate deals image
Source : Guardian [Read Article] Tuesday 23rd of August 2016 06:00:07 AM
.... Members will also receive a 15% discount on AA home insurance, but will have to buy breakdown cover if they do not already have it. Michael Johnson, director of financial services at the AA, said: “Lots of people are on mortgage deals where they are spending far more than they need to. ...
Five minute guide to… Paying down your mortgage  image
Source : Daily Express [Read Article] Sunday 14th of August 2016 03:10:00 PM
....Target your debts . You should also look to see if you can get a cheaper mortgage deal either from your existing lender or a rival bank or building society. ...
Mortgage cut 'delay' and best savings rates 'slaughter' image
Source : BBC [Read Article] Friday 5th of August 2016 10:48:53 AM
....The Bank's ambition, in part, is for banks to pass this cut to their customers, putting more money in their pockets to spend and so stimulating the UK economy. On average, this will mean a £22 cut on a monthly mortgage bill of about £779 for those on mortgage deals with rates that change. ...
NatWest paves way for introduction of negative interest rates image
Source : Guardian [Read Article] Monday 25th of July 2016 06:30:39 PM
....The introduction of negative interest rates on deposits could spark a legal challenge from customers. Shortly before the credit crunch, Cheltenham & Gloucester building society launched a mortgage deal that tracked the main Bank of England lending rate minus 1. ...
Interest rates could be cut to new low image
Source : BBC [Read Article] Wednesday 13th of July 2016 11:03:54 PM
....12% a year ago now paid less than 1%. Have you got a tracker mortgage and expect to benefit from any drop in interest rates? Or are you looking to buy a house and hoping to get a good mortgage deal? . ...
Housing market 'falters amid Brexit campaign and vote' image
Source : BBC [Read Article] Wednesday 13th of July 2016 11:03:39 PM
....Where can I afford to live?. Have you got a tracker mortgage and expect to benefit from any drop in interest rates? Or are you looking to buy a house and hoping to get a good mortgage deal? . ...
House prices to force extra 1m young people to live with parents image
Source : Guardian [Read Article] Friday 27th of May 2016 08:56:26 AM
....As well as having to provide a home for longer for their children, parents are also helping fund deposits. The “bank of mum and dad” will help finance a quarter of all UK mortgage deals in 2016, with an average contribution of £17,500, according to a Legal & General report earlier this month. ...
Ticket touts could be licensed, plus the chance to snap up a towering folly image
....Our energy collective is the simple way to save on your bills, sign up before 19 June to be part of the summer switch. Get expert fee-free advice to help you find the right mortgage deal from the Guardian mortgage service, provided by L&C. ...
Martin Lewis: 'Nonsense' rule blocking Britons getting CHEAP mortgages should be stopped image
....The Chancellor has now agreed to look at the issue, according to Mr Lewis. A Treasury spokesperson said: “The government recognises the importance of consumers being able to access better mortgage deals and is committed to ensuring that they can access the financial products they need. ...
Barclays 100% mortgage: how much does it really help homebuyers? image
Source : Guardian [Read Article] Wednesday 4th of May 2016 01:06:30 PM
.... Challenger bank Aldermore launched a 100% loan in 2011, and several small building societies have followed. But we are nowhere near the market seen in the runup to the credit crisis: financial information firm Moneyfacts says there are now eight 100% mortgage deals to choose from, compared with 238 in August 2007. ...
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. ...
Don't pay the price of staying faithful: Shop around and beat introductory offers image
....” . New research shows that one-in-three homeowners faces thousands in higher payments when their mortgage deal expires and they revert to their bank or building society’s standard variable rate (SVR). ...
Thousands will struggle if mortgage rates rise image
Source : Daily Express [Read Article] Sunday 20th of March 2016 06:01:00 PM
....co. uk, three-quarters of mortgage deals on the market offer borrowers some form of incentive. ...
Demand for homes fuels 30% rise in mortgage lending image
Source : Guardian [Read Article] Thursday 17th of March 2016 05:36:57 PM
....The CML’s economist, Mohammad Jamei, said the annual rate of growth was in line with the figures for the closing months of 2015. “The recovery is being underpinned by market fundamentals in the UK, as wages grow and unemployment falls, helped by government schemes and competitive mortgage deals,” he said. ...
Simon Nixon offloads his remaining shares in Moneysupermarket.com image
Source : Guardian [Read Article] Wednesday 16th of March 2016 03:28:36 PM
.... Cameron disposed of his 50% stake in the business before its stock market listing in 2007. Originally the site specialised in comparing the best mortgage deals before expanding its activities to financial and energy services. ...
The lodger allowance that could make your spare room a money-spinner image
Source : Guardian [Read Article] Monday 14th of March 2016 09:54:29 AM
....If you are a homeowner, make sure you check your mortage terms. “Although standard mortgage deals will not allow formal letting of a property, most lenders are likely to take a more relaxed view on lodgers when the homeowner remains resident,” says David Hollingworth from broker London & Country. ...
Buy-to-let boom: Landlord lending beats first-time buyers for first time image
Source : Daily Express [Read Article] Thursday 10th of March 2016 05:00:00 PM
.... Jeremy Leaf, a former RICS chairman and north London estate agent, said: "What we are seeing on the ground is people taking advantage of mortgage rates while they are low. "With a relatively low number of transactions taking place, lenders are having to make up their numbers somewhere and are offering a plethora of attractive remortgage deals. ...
Buy-to-let mortgage lending rockets ahead of stamp duty rise image
Source : Guardian [Read Article] Thursday 10th of March 2016 12:40:37 PM
....“What we are seeing on the ground is people taking advantage of mortgage rates while they are low. With a relatively low number of transactions taking place, lenders are having to make up their numbers somewhere and are offering a plethora of attractive remortgage deals. ...
Money Talks: dating websites that won't let go, plus Kirstie Allsopp’s property myths image
....Get five tips for income investors with this free guide from MarketViews including the importance of diversifying your portfolio. Get the right mortgage deal for you with fee free advice from across the whole market from L&C, providers of the Guardian Mortgage Service. ...
Buy-to-let landlords in rush to borrow image
Source : BBC [Read Article] Thursday 18th of February 2016 10:37:42 AM
....When the new tax year starts, most landlords will pay a 3% surcharge on stamp duty on property purchases. In addition the CML said real wage growth, falling unemployment and competitive mortgage deals were all stimulating borrowing. ...
Sell-off silver lining: Mortgage rates to plunge within days image
Source : Telegraph [Read Article] Friday 12th of February 2016 06:19:29 PM
.... These markets affect the price of “swaps” where banks lend and borrow money from one another at fixed rates. This, in turn, affects the rates offered by lenders on new mortgage deals. ...
Money Talks: BT to divert nuisance calls for free, plus supermarket deals quiz image
.... Sign up before 14 February to find out how much you could save. Get the right mortgage deal for you with fee free advice from across the whole market from L&C, providers of the Guardian Mortgage Service. ...
Mortgage lenders hiding TRUE cost of their best buy deals by hiking fees to record high image
....”. The average fee for a fixed-rate mortgage is now £956, up from £889 in the summer of 2014, although it is still possible to get fee-free mortgage deals that charge nothing at all. ...
Mortgage approvals slow to seven-month low, as house price growth levels off image
Source : Telegraph [Read Article] Wednesday 27th of January 2016 10:57:02 AM
.... Mortgage approvals are their lowest since May 2015. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: "The biggest issue for many is actually qualifying for one of these great mortgage deals. ...
If rates stay low, would I profit from a 'tracker' mortgage?  image
Source : Telegraph [Read Article] Wednesday 27th of January 2016 09:58:05 AM
.... • For more on rate rises and mortgages: get our weekly newsletter . Telegraph Money has compared the two scenarios, using current best-buy mortgage deals and calculations by independent mortgage broker John Charcol. ...
Construction lag 'to raise house prices' image
Source : BBC [Read Article] Wednesday 27th of January 2016 08:10:27 AM
.... However, we have probably seen the back of the very cheapest deals. "The biggest issue for many is actually qualifying for one of these great mortgage deals. ...
Financial detox: save hundreds on your house and bills image
Source : Telegraph [Read Article] Monday 25th of January 2016 10:00:07 AM
.... . In the video above, Senior Personal Finance Reporter Katie Morley shares a few simple tips to help reduce your outgoings, such as changing your life insurance policy, searching for the best mortgage deal and even switching off your appliances at the wall. ...
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. ...
UK housing market had strong December image
Source : Guardian [Read Article] Thursday 21st of January 2016 10:48:17 AM
....CML economist Mohammad Jamei said lending had ended the year stronger than it started. “The low inflation environment, along with real wage growth, an improving labour market and competitive mortgage deals all helped to underpin demand,” he said. ...
New Year's resolution to be better with cash? How to instantly improve your money for 2016 image
.... First put aside a bit of time, and make sure you have the best mortgage for your circumstances. Thanks to increasing house prices, you could have more equity in your home than you did a year or so ago and qualify for a cheaper mortgage deal if you are on your lender's Standard Variable Rate (SVR) or a tracker without any exit fees. ...
Buy-to-let faces tough challenges in 2016, say lenders  image
Source : Daily Express [Read Article] Thursday 17th of December 2015 02:41:00 PM
.... The expected tighter regulation comes amid reduced tax benefits and extra stamp duty charges, meaning buy-to-let homes sales are set to fall, said the Council of Mortgage Lenders (CML). By 2017 the trade body estimates lending will have fallen below 2014 levels after peaking in 2015 at 9 per cent of mortgage deals. ...
Record number of mortgages requiring just 5pc deposit image
Source : Telegraph [Read Article] Thursday 17th of December 2015 08:40:17 AM
. The number of mortgage deals for home buyers with just a 5pc deposit has soared this year to 260, the highest number since the banking crisis of 2008-2009. ...
Beware of this £4,000 mortgage trap hitting ONE MILLION homeowners image
Source : Daily Express [Read Article] Wednesday 9th of December 2015 02:27:00 PM
....The switch costs families £329 an extra each month or almost £4,000 a year, according to HSBC. Furthermore, a spate of fixed-rate mortgage deals are coming to an end between now and the start of 2016. ...
'I took out three loans this year. Is it cheaper to consolidate or add them to my mortgage?' image
.... . “However, many mortgage deals allow you to make overpayments of up to 10pc of your balance each year without incurring any early repayment fees, so if you’ve got some spare leeway in your budget to be able to do this it’s a smart financial move as you can reduce your total mortgage interest costs and the term of your loan,” Mr Hagger said. ...
Beware the poor credit score that could be an own goal if you want a loan image
Source : Guardian [Read Article] Saturday 28th of November 2015 07:00:02 AM
....It’s the number you need for a happy and fulfilled life – financially speaking. It could be the difference between getting a great mortgage deal or the best personal loan rate - or spending your life renting. ...
Interest rates likely to stay low 'for some time' and may even fall, says Bank governor image
....5 per cent since March 2009 and most economists are not expecting the Bank to raise rates until mid-2016 at the earliest. Millions of homebuyers and movers have taken advantage of some of the cheapest mortgage deals ever to either get onto the property ladder or to re-mortgage and cut their monthly repayments. ...
City news: Poundland, mortgage lending and Mothercare image
Source : Daily Express [Read Article] Thursday 19th of November 2015 07:40:00 PM
....4billion in the same month last year. Bob Pannell, the CML’s chief economist, said low inflation and competitive mortgage deals were fuelling the lending pick-up. ...
Mortgage lending jumps by a fifth and almost hits pre-crisis peak image
Source : Telegraph [Read Article] Thursday 19th of November 2015 11:30:32 AM
.... “As lending in the regulated mortgage space picked up over the summer months, the pace of recovery has improved. This looks set to continue over the closing months of the year with the factors helping support this recovery continuing to be low inflation, strong wage growth, an improving labour market and competitive mortgage deals," said Bob Pannell, chief economist at the CML. ...
Can our £30,000 savings possibly get us a home?   image
Source : Telegraph [Read Article] Friday 13th of November 2015 02:58:02 PM
.... . Ideally they will use as much of their savings as possible, as this will mean they will have a smaller mortgage, lower monthly interest charges and potentially be able to secure a better mortgage deal. ...
Lloyds profits jump despite £500m rise in PPI costs image
Source : Telegraph [Read Article] Wednesday 28th of October 2015 08:37:11 AM
.... . However, the bank attributed this to cherry-picking the right mortgage deals to protect margins, rather than focusing solely on seizing market share. ...
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. ...
I'm a first-time buyer confused by mortgage options image
Source : Guardian [Read Article] Thursday 17th of September 2015 06:00:03 AM
....2% that you have given are annual percentage rates (APR), they don’t seem so bad. The APR gives you a way of comparing mortgage deals which takes into account all the costs of the mortgage including fees as well as the mortgage interest rate and the rate that the mortgage will revert to once the fixed rate is over. ...
Buy-to-let boom to push house prices up as landlords take advantage of low rates image
.... Owner-occupiers took out £5. 1bn in remortgage deals, up 34pc on the year, while existing landlords swapped current loans for new deals amounting to £2. ...
Nationwide offers 5pc deposit mortgages for first time since 2008 image
Source : Telegraph [Read Article] Thursday 10th of September 2015 05:39:09 PM
.... . The rates are not market-leading, but Nationwide offers first-time buyers an additional £500 cashback on mortgage deals. ...
Rate rise link to mortgage activity image
Source : BBC [Read Article] Tuesday 1st of September 2015 11:11:30 AM
. Continued expectations of an interest rate rise are prompting more homeowners to lock into a new mortgage deal, figures suggest. ...
'We're not gay, just priced out': The minefield of buying a flat with a friend image
.... Irrecoverable costs such as stamp duty and fees to solicitors amounted to around £10,000. Our mortgage deal meant that we’d repay about this much of the debt over two years, while our monthly repayments were close to what we were paying in rent. ...
‘Worrying trend’ as older people cash in pension pots to pay off rising debts image
....Lenders impose tough criteria when it comes to the maximum age at which customers can borrow money. This makes it hard for older people to find a new mortgage deal if they have not paid back all they owe. ...
Scotland and Wales lead mortgage boom as London housing market cools image
Source : Telegraph [Read Article] Wednesday 26th of August 2015 10:08:59 AM
.... . “With competitive mortgage deals, better affordability than the UK overall and the replacement of stamp duty with a new taxation system that benefits the majority of borrowers, it appears conditions are relatively favourable at the moment in Scotland for those looking to buy a home. ...
Buy-to-let boom as banks profit from savers cashing in pensions image
Source : Telegraph [Read Article] Tuesday 25th of August 2015 06:49:20 PM
. Landlords are being offered the largest number of buy-to-let mortgage deals since the financial crisis as banks try to profit from older savers cashing in their pensions to buy property. ...

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