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Property Blog Archive: Mortgages
25, 2008 November:
Miami/Miami Beach Rental Market
This blog talks about the current state of the local Miami/Miami Beach rental Market and the factors that affect it.
28, 2008 November:
Hungary - the barometer of central Eastern Europe
By Neil Lewis
Why is Hungary now the yardstick from which we can judge the entire CEE region?
02, 2008 December:
The return of Buy to Let as a commercial transaction
When the Buy to Let mortgage market started in the early 90's, Loan to Values were at a maximum of 75%, underwriters made decisions to lend based on the overall viability of the transaction and commercial rates were charged.
05, 2008 December:
Not in the interests of the market
By KFH
John Phillips, Financial Services Director at Kinleigh Folkard & Hayward thinks that the interest rate cut isn't all it's cracked up to be – not for the property market, anyway...
11, 2008 December:
LIBOR, SWAP rates, base rate and interest rates - we're seeing history being made - 11.12.2008
The Bank of England's decision to further reduce Bank Base Rates (BBR) in December, to rates not seen in over 50 years, demonstrates the analysts view of the severity of the current economic turmoil. Whilst we don't appreciate it at this time, history is being made and events now will be talked about long after we are gone.
16, 2008 December:
3 month LIBOR continues to ease slowly - 16.12.2008
There will be a limit to its downward movement towards the end of the year as those banks with 31 December year ends preserve cash on their balance sheet and let creditors rise accordingly.
19, 2008 December:
Merry Christmas and here's to a better 2009!
Base Rate is set to continue to fall in the New Year. What options are available for the professional landlord?
30, 2008 December:
Market awaits Year End movements at Banks
3 month LIBOR continues its downward drift - setting today at 2.82% - still a significant premium to Bank Base at 2%
08, 2009 January:
Bank of England Base Rate cut by 0.5%. How will this effect Buy to Let? - 08.01.2009
So, the Bank of England has announced a further 0.5% cut in the Base Rate. Rates are now at their lowest for 300years and could still go lower.
13, 2009 January:
SWAP rates and LIBOR rates on the move in 2009 - 13.01.2009
The entry into the New Year was no doubt followed by many with a New Year's resolution on how to improve their lot in life and a glass or two, to bid fairwell to a truly awful 2008.
Mortgage Express are waiving all Early Repayment Charges!
Mortgage Express are waiving all Early Repayment Charges for Residential and Buy to Let mortgages between February and June 2009!
22, 2009 January:
It's all about cashflow!
These are tough times and as the recession takes hold many of us are now looking at ways of tightening our belts further...
23, 2009 January:
Will Base Rate stay below 5% in 2009?
2009 is shaping up to be an interesting year, but hopefully not for the same reasons as 2008. The actions by the Bank of England and other Central banks has been to attempt to stabilise the global markets and right some of the wrongs in recent years.
29, 2009 January:
It looks like Bank of England Base Rate could drop to 1% next week
The next MPC meeting on 4 February with its announcement on 5 February is heading towards a 0.5% cut in Bank of England Base Rate (BBR) down to 1%.
30, 2009 January:
B&B appoint Mortgages for Business for early repayment charge clients
At Mortgages For Business we are delighted to have been appointed as one of two brokers to assist Mortgage Express borrowers looking to take adavantage of the Early Repayment Charge waiver if borrowers redeem their loan in part or full between 1 February and 30 June 2009.
03, 2009 February:
Bank Base Rate now seems set for 0.5% cut on Thursday
Continuing economic woes and global concern that cuts in BBR are not the only solution make it much more likley that BBR will move down by 0.5% to 1% on Thursday.
08, 2008 December:
Base Rate reduced to 2%
So Base Rate has been cut by another 1%. Bearing in mind Mervyn King's comments earlier in the month, the reduction is no real surprise and is confirmation (as if we needed it!) that we are heading for tough times in 2009.
19, 2009 February:
Will everyone benefit from the 0.5% Base Rate cut?
Media and politicians focus on residential mortgages when Bank Base Rate (BBR) is cut as that is the point of maximum impact on individuals and ultimately where votes in the next general election will be won or lost.
24, 2009 February:
“Quantitative Easing” now, may mean inflation later...
This is an article I wrote about Quantitative Easing that the economists and politicians have been speaking about. Good in theory and will definitely work but one of the side effects is inflation which may means higher interest rates... Be prepared now.
25, 2009 February:
Northern Rock resumes lending - what will be its impact?
The announcement that Northern Rock is to resume mortgage lending (£14Bn by the end of 2010) is welcome for the mortgage market as a whole but will probably only drive indirect benefit for the Buy To Let sector.
09, 2009 March:
Kickstarting the economy - What Brown should do next
By KFH
Lee Watts, Managing Director of Kinleigh Folkard & Hayward thinks Gordon Brown should be putting on his boxing gloves and tackling the economy head-on...
11, 2009 March:
Now that Base rate has dropped to 0.5% it's time to fix!
The Base Rate cut will of course continue to improve the cash-flow of those borrowers on Base Rate linked loans (without collars!) but unlikely to have much of an affect on new mortgage products.
18, 2009 March:
The Turner Review may impact Buy to Let warns Lord Turner
In the new Turner Report changes may be proposed to the treatment of second charge and Buy to Let mortgages.
19, 2009 March:
A boost for new homes and construction jobs
By BuildStore
With construction workers currently at the top of the dole list, self build specialist BuildStore is calling for more funding from lenders to help meet the demand for self build and pull construction workers out of the dole queue. The company is reporting enough demand to double its mortgage lending to self builders and boost the flagging construction sector with thousands of new jobs, saving the state tens of millions of pounds in benefit payments.
09, 2009 April:
Base Rate remains unchanged at 0.5% - 09.04.2009
As expected, the Bank of England have kept Base Rate on hold at 0.5% this month, halting the steady trend of reductions over the last few months. With the MPC's ammunition more or less spent in this area, all eyes are now on the Bank's Quantitative Easing programme designed to stimulate the much need liquidity into the market.
The Right Time to Build Your Own Home
By BuildStore
Is now the right time to build your way out of the recession, up the property ladder and in to your dream home?
14, 2009 April:
Self Build Land in Demand
By BuildStore
Frustrated homeowners become homebuilders, as they look for an alternative way to climb their way up the property ladder.
07, 2009 May:
Base Rate stays at 0.5% for a second month - 07.05.2009
No surprise that the Bank of England have kept Base Rate at 0.5% for another month. Time will tell whether the Bank's Quantitative Easing programme will have the desired effect...
12, 2009 May:
Market improvement?
By KFH
Kinleigh Folkard & Hayward's Managing Director, Lee Watts, talks about what he is seeing in the London market
15, 2009 May:
Survey's report increases in house prices - 15.05.2009
There have been lots of conflicting reports from various recognised house price indexes of late but at last some good news!
22, 2009 June:
Increase in fixed rates as "perceived" inflationary pressures start to build. 22.06.2009
Mervyn King hinted in his Mansion House speach last night that there were some signs that quantitative easing was starting to work and that the £125Bn injection may be sufficient - I really hope so !!
23, 2009 July:
At last - Funding for HMOs, Freehold Conversions & Limited Companies returns! 23.07.2009
We at Mortgages for Business have been aware for some time that many landlords and property investors have been struggling to find finance for certain property types e.g. HMOs and Freeholds split into several self-contained units...
09, 2009 September:
Bottoms up?
By KFH
Lee Watts, Managing Director of Kinleigh Folkard & Hayward gives his view of the London property market.
10, 2009 September:
Improved Funding for landlords
The re-launch of Base Commercial as Aldermore Bank following the acquisition of Ruffler Bank is starting to bring benefits to landlords with Buy to Let and residential investment properties.
30, 2009 September:
Data indicates property market progress!
Not only does mortgage data point to an improving position on purchases but the first RMBS issue (£4Bn) in Europe in 13 months has taken place - issuer Lloyds !!!
20, 2010 May:
Now is the time to build your own
By BuildStore
In the midst of the struggling housing market, there's an army of self builders who are busy building their way up the property ladder. Some housing pundits say that there has never been a better time to build your own home, and self build specialist BuildStore, is reporting a surge in self build land and finance enquiries
Featured on Lead Galaxy, along with A Place in the Sun, Homes Go Fast, Medhead, Global Property Guide, Unique Living and more...
