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90% First Time Buyer Mortgages on the up

First Time Buyers – 90% Mortgages on the rise First Time Buyers with a 10% deposit will have more fixed rate mortgage products to choose from as 2020 draws to a close with more big-name lenders enter the fray. Most products are fixed for five years, but there are more two year fixed rate offers…
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Stamp Duty Deadline Looms

We haven’t even reached Christmas, so surely we don’t need to be too concerned about a deadline of 31st March 2021? It’s next year, a whole season away, next spring for goodness sake, why all the worry? In normal pre-covid times; those halcyon days of having a pint in a beer garden and not having…
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A post COVID bounce!? Who’d have thunk it….

The last few weeks have been a blur! Ever since the government gave the green light for the housing market to re-open it has seen things running, well, shall we say, a little hot. There has clearly been pent up demand for people to buy and sell homes, so the initial fears of an immediate…
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Green shoots of recovery continue in Mortgage Market….

Coventry Building Society and Accord Mortgages have today both launched products requiring only a 15% deposit, which shows further recovery within the U.K mortgage market. This news is hot on the heels yesterday that physical valuations will resume immediately with many lenders. Also, we have seen previously dormant lenders re-entering the market since the initial…
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How quickly will the market pick up..?

This is a question I have been asked a lot in the last 48 hours..! The main issue there is with getting the housing market moving, is having properties valued by lenders’s surveyors. Nationwide Building Society have sent a communication today (14th May) stating they expect to have the backlog of current valuations cleared by…
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Lender Update – Property Valuations

With the news that Government wants to re-open the housing market today 13th May we have received updates from a number of key lenders to say they are assessing the guidance as how to work safely in people’s homes during coronavirus, and will update us in the coming days. We have many clients who have…
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Switching Mortgage Deals during the COVID-19 outbreak

Whether you can switch your mortgage deal during the COVID-19 outbreak has been a common enquiry since the start of the lock down period. There are two ways you can typically switch your mortgage deal, either by way of product transfer with your existing lender, or by arranging a remortgage to a new lender. A…
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MPs call on lenders to halt all repossessions against mortgage prisoners until help arrives

Members from the All-Party Parliamentary Group on Mortgage Prisoners today issued an open letter calling for a halt to repossessions against borrowers who saw their home loans sold onto inactive or unregulated lenders following the financial crash. Up to half-a-million mortgage borrowers in the UK saw their home loan sold onto such lenders following the crash,…
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Developers ‘misled and took advantage’ of people buying leasehold property, watchdog finds

Housebuilders are in the firing line as the competition watchdog revealed it has found ‘troubling evidence’ that leasehold homes were mis-sold. Some 100,000 families across the country are currently trapped in unsaleable homes due to the restrictive terms in their leasehold contracts.  The Competition and Markets Authority (CMA) said it has evidence that these families…
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What will happen to mortgage rates after Brexit?

THE UK is leaving the EU this Friday and entering a transition period, which will impact homeowners in Britain. Boris Johnson’s Brexit bill passed through Parliament last week, paving the way for the country’s exit from the European Union. How could things change after January 31. This will see the UK remaining in the EU…
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