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29th September 2009
The initial suggestions that the real estate market is about to improve are all too present. Current feedback, quoted from the National Association of Estate Agents {NAEA}, suggested that the typical estate agency successfully marketed eight homes this mo... Read >
Author: Dave M Hill24th September 2009
While banks and building societies cautiously begin to make more mortgages available to the residential market, the buy-to-let sector remains a shadow of its former self. Latest figures suggest that since reaching its peak in September 2007, the number o... Read >
Author: Graeme Knights24th September 2009
When you are looking at Ut homes for sale and trying to find just the right one to buy, there are several things to remind yourself of. Whether you're a house-buying novice taking your first tentative step on to the property ladder or an old hand seeking ... Read >
Author: Anne Johnson17th September 2009
Anyone who has tried to get on the property ladder can realise how hard it is, especially if you are young or have a family. You will be pleased to know that if you meet the criteria you can now get a government grant for home buyers. This will mean that ... Read >
Author: Henry Fong16th September 2009
Everybody wants to increase the value of their home so as to get the best possible price when it comes to selling up and moving on. Buying a run-down property and putting in the time to improve it can be a great way to gradually move up the property ladde... Read >
Author: Fred Street10th September 2009
Establishing a foot on the ever changing, and at times, perilous UK property ladder is fast becoming an increasingly difficult act to follow, especially for the inexperienced, cash strap first time buyer. Despite the problems with the global economy, with... Read >
Author: Admin10th September 2009
Well, when I was a life assurance salesman, many years ago, I would get asked a variation of this question virtually every day. My answer was always the same. I would reply : “If you knew with absolute certainty the day that you were going to die, how... Read >
Author: Bryan Farrow03rd September 2009
It seems like a tough dilemma in some ways. You want to own your own property, which means that you have to invest quite a sizeable amount of money in order to achieve this. You could get a mortgage, but do you really want to have the bank rule your lif... Read >
Author: David nalin24th August 2009
Benefits rule over the risks when it comes to equity releases. Advice from a reliable source can help you to get the equity release that suits you the best so that you can enjoy its benefits year after year.
What is Equity Release?
Equity Release i... Read >
Author: Rahul Rungta22nd August 2009
The Secret of Happiness is Oak Furniture
This is because Oak Furniture provides us with a Home For Life, and besides sustenance and survival, shelter is one of the three basic requirements of the Human species.
Oak Furniture Lets Anyone Start Building ... Read >
Author: Click Oak13th August 2009
Despite the recent economic gloom, the UK property market has soared to staggering new highs in the last couple of years, forcing the rental market up with it. Now, it is more difficult than ever before to get a grip on the property ladder, especially for... Read >
Author: Admin11th August 2009
It is judged that a quarter of the UK population experience problems when applying for finance because of poor credit. It used to be when only a small number of banks offered mortgages to the consumer, a bad credit file proved a big problem. low scoring a... Read >
Author: Sarkin30th July 2009
Health insurance for the self employed is something that all self employed people have, if they are key to the business and the business wouldn�t be able to generate income while you are on the sick means it is vital that you take the self employed heal... Read >
Author: Spot Biddle29th July 2009
If you are over 55 then you can raise around 30% of the cash locked up as equity on your home by opting for a home reversion scheme or a lifetime mortgage. 30% does not seem to be a high proportion, but that is because of the large amounts of cash involve... Read >
Author: Robert Palmer17th July 2009
As with any property market there are good times and bad times for all involved. Currently due to do high inflation rates as well as soaring interest rates, home owners are starting to feel the pinch and many are battling to afford their monthly bond repa... Read >
Author: srini17th July 2009
As with anything in life there are high times and low times for all involved. Currently due to do increasing inflation rates and high interest rates, home owners are starting to feel the effect of the recent rate hikes and many out there are battling to m... Read >
Author: srini16th July 2009
Interest only mortgages are as the name suggests mortgages where only the interest is paid on the mortgage. You are only paying interest on the mortgage and not paying off any of the debt.
As you are only paying interest you will benefit from lower mon... Read >
Author: DTM16th July 2009
For some people looking to buy a home, a first home buyer loan will be the perfect solution. These are offered by various lenders and the programs tend to vary quite widely, but for some, a first home buyer loan will be the perfect choice. The idea is t... Read >
Author: David nalin09th July 2009
Property Auction
Thousands of homes are obtainable at any given time with property auctions, most of which are sold at prices far below market value. However it's imperative to know the potential issues and problems when dealing with auctions and to un... Read >
Author: jacobchris06th July 2009
Homeowners are being advised to secure a mortgage by the end of the year.
Although the level of mortgage repayments has fallen of late, there are signs that the rates are rising, prompting experts to issue the warning. Only last week the price of a tw... Read >
Author: Darren02nd July 2009
What a difficult time to get on the property ladder. We’ve got lenders that are being very cautious with their lending which of course affects consumers who two years ago would have no problem getting on the property market now either aren’t credit wo... Read >
Author: cborthwick901st July 2009
On 1 July 2007, customers had a choice between 11,951 residential mortgages but today their choice has been reduced to a lowly 1,238 products.
People with less than a perfect credit record have been hit the most by this current economic crisis, with su... Read >
Author: Graeme Knights29th June 2009
The Council of Mortgage Lenders recently released the mortgage lending figures for April – May 2009. Yet again these figures are demonstrating further that it is becoming continually more difficult for potential buyers to make their way onto the proper... Read >
Author: sam lowe18th June 2009
A common situation that many retired Britons face is the struggle of living on a limited pension and personal savings whilst living in an equity rich property. Having cash tied up in your property instead of your pocket can be a frustrating situation but... Read >
Author: Vicky Cochrane18th June 2009
Those hoping to buy a new home or looking to re-mortgage may be alarmed to hear that under new borrowing rules they may soon be unable to raise a mortgage for more than three times their annual salaries.
The Financial Services Authority (FSA) is alrea... Read >
Author: michael challiner13th June 2009
Even though the house price bubble has popped and prices are falling it can still be very difficult to get onto the property ladder. The problems in the financial sector have resulted in banks and lenders expecting ever larger deposits from those wishing ... Read >
Author: Chris11th June 2009
Anyone who is brave enough to be thinking about getting on the property ladder at the moment needs know what they are doing as prices continue to fall.
In the present state of the property market, and in the next year or so at least, homebuyers must be ... Read >
Author: michael challiner11th June 2009
In today's uncertain economic climate people are really struggling to make that first step onto the property ladder. In many cases parents are helping children make this first move. However, you need to be clear whether any financial help you do give to y... Read >
Author: michael challiner10th June 2009
One of the hot topics in the property sector of late has been the fortunes of first time buyers, with many commentators believing that this group is key to getting the industry going again.
Indeed, as the Royal Institution of Chartered Surveyors (Rics)... Read >
Author: Graeme Knights05th June 2009
Whilst attention has focused on high-profile corporate bankruptcies like that of Lehman Brothers, new figures revealed by the Insolvency Service show many individuals are going bankrupt - and more and more are women.
In the last 6 years bankruptcies a... Read >
Author: michael challiner05th June 2009
With Australian property prices dropping, interest rates heading for a record low, and the Government offering first home owners a ‘boost’ until 30 June, it has never been a better time to make that first step on to the property ladder.
According t... Read >
Author: johntradgeus03rd June 2009
While we are praying for even just one weekend with sunny weather, Cyprus is basking in sunshine. Some of us will look for a short term reprieve and head off to the sun for a well earned holiday and some of us will be feeling the squeeze of the current e... Read >
Author: Minthis Hills20th May 2009
With all the doom and gloom that has accompanied talk of the property sector and the wider economy over recent months, Britons may well have been put off the very idea of buying their own home. Prices have been falling for some time - a fact that would no... Read >
Author: Graeme Knights18th May 2009
When developing a property it’s imperative that you consider the target market for your property before you embark on any venture. Are you aiming your property development at young professionals, students, senior citizens or large families?
Being a p... Read >
Author: ashly18th May 2009
In UK, the buy to let market experience a boom in last few years, from almost extinction on late 80’s. I intend to explore the why, the story behind headlines, what can go wrong, when can go right.
One the most important days for Buy to let market was ... Read >
Author: G M12th May 2009
Experts are warning that many will be disappointed with the UK Government's initiative to help first-time buyers on to the property ladder. The Open Market Homebuy Scheme allows those who qualify to buy from private sellers, as opposed to a housing associ... Read >
Author: michael challiner12th May 2009
Getting the right advice for making a will can be difficult but as with taxes it is one of the few certainties in life that you will need one. Of course you could leave it to change but it is a sensible option to take and invest in the time for getting a ... Read >
Author: Spot Biddle08th May 2009
In the week that Alistair Darling announced this years Budget Report it was inevitable that there would be voices of discontent raised about the government's plans for the housing and conveyancing sectors and this certainly held true, with one Tory MP arg... Read >
Author: Darrell06th May 2009
Many of us who are thinking about buying their first home do have a lot of concerns before they take that step on the property ladder. With house prices plummeting over the last year many have seen thousands of pounds come off the value of their home. Unf... Read >
Author: cborthwick927th April 2009
As we settle into the first confirmed recession in more than a decade, the UK economy as a whole has considerably slowed - this is shown confidently by the harsh slump in the British housing market. Figures have shown prices have fallen on average nearly ... Read >
Author: PJL15th April 2009
Get A Free Loan Modification Consultation : 1-888-826-3193
There are a large number of people who cannot arrange enough capital to put down as advance deposit to avail a mortgage loan. A 100% mortgage is an ideal option for these people. As indicated by ... Read >
Author: OlivaDePalermo15th April 2009
Get A Free Loan Modification Consultation : 1-888-826-3193
There are a large number of people who cannot arrange enough capital to put down as advance deposit to avail a mortgage loan. A 100% mortgage is an ideal option for these people. As indicated by ... Read >
Author: OlivaDePalermo07th April 2009
Conveyancing solicitors may allow themselves to breath a very cautious sigh of relief, as recent studies indicate that activity in the property market may finally be picking up. This news will come as a welcome relief to those solicitors who have been hit... Read >
Author: pmcindoe07th April 2009
You may have heard about the help available through the Scottish Government to help you buy a home. They run shared home ownership schemes in which they will take an equity stake in the property of your choosing. This is to help those on low to moderate i... Read >
Author: cborthwick904th April 2009
The new system of co-ownership that has been pioneered in Washington D.C. and California is now edging its way into Florida. This option allows some owners to sell part of their home.
Sharing a home, whether it is part ownership or rental, seems to b... Read >
Author: Karrie Rose02nd April 2009
The Scottish Government offers a number of shared equity schemes to assist first-time buyers buy a home. The schemes come under the umbrella of the LIFT, Low Cost Initiative for First-Time Buyers. The main schemes are the New Supply Shared Equity Scheme t... Read >
Author: cborthwick930th March 2009
Historic low rate - The UK is “enjoying” (not a word I would use) the lowest interest rate in history as the Bank of England (BOE) cut the mortgages rate to just 0.5%. This move by the BOE is a vain attempt to stop the decline of consumer spending.
... Read >
Author: Monty27th March 2009
It was a dream, and for many British and European people buying a holiday home from the 1980's onwards it seemed to make a lot of sense too - it was a new appreciating asset that would bring not just revenue but happiness too as they holidayed in their ow... Read >
Author: Robert Palmer25th March 2009
Conveyancing solicitors may allow themselves to breath a very cautious sigh of relief following the release of a recent study. The latest figures indicates that activity in the property market may finally be picking up. This news will come as a welcome r... Read >
Author: Adam Singleton16th March 2009
Copyright (c) 2009 Duncan Wierman
With the rapid growth of the internet and access to information systems, a new breed of investor is appearing, named the "virtual investor" Investors are able to locate bargain deals all across the USA using internet m... Read >
13th March 2009
Newly released plans from the Bank of England to cut the interest rate should be a great help to the conveyancing market, as thousands of prospective consumers are enticed by the chance to change their mortgage lenders in order to find a deal which is vee... Read >
Author: CatM10th March 2009
Since the credit crunch began, the property market has appeared a very daunting place for first time buyers. The media would have you believe it is impossible for first time buyers to get their foot on the property ladder, however, this is not the case. T... Read >
Author: cborthwick909th March 2009
As a first time buyer in the current economic climate it is important to arm yourself with as much knowledge as possible and make sure that you are prepared, as buying your first home can be very stressful and confusing. Whilst the number of first time bu... Read >
Author: Alisdair Cosgrove03rd March 2009
You may have read that Northern Rock is returning to the mortgage market. What a fantastic move by the government. Also in the news it was reported that there was a huge surge in mortgage applications in January suggesting many buyers want to take advanta... Read >
Author: cborthwick903rd March 2009
A new year always brings a new start, or in this case it brings new trends. Every year we see new trends emerging within the real estate industry and real estate investing online is no exception.
We all no that the real estate industry has seen better ... Read >
02nd March 2009
As we are now all very aware thanks to endless reports on the internet, in the written media and on television we are now in the grips of a full blown recession.
It is clear that this recession will have some kind of an effect on every household in the U... Read >
Author: Phil Bridgen02nd March 2009
According to research by Hometrack, house prices will fall a further 10% in 2009. Though this may be grim reading for negative equity sufferers and those hoping to sell, for the lucky few with access to cash and trying to get on the property ladder, it’... Read >
Author: MarkeD26th February 2009
With the ongoing impact of the economic crisis, most people are focusing on how to save money, not spend it. But for some, getting a credit card might actually be the first step towards climbing on the property ladder.
We take a look at the four main ... Read >
Author: MarkeD19th February 2009
House prices are sky-scraping but still you can enter the buying market. There are five good reasons you should think of buying a house.
Do you think property is an asset? It’s simply not true. You buy a house so that you have a roof over your head.... Read >
Author: ron victor19th February 2009
House prices are sky-scraping but still you can enter the buying market. There are five good reasons you should think of buying a house.
Do you think property is an asset? It’s simply not true. You buy a house so that you have a roof over your head.... Read >
Author: ron victor09th February 2009
One of the biggest fears of first home buyers everywhere, is that they may never get on to the property ladder at all. This is a real social stigma in Australia where 70% of people own, or are buying their own homes.
The Federal Government’s ‘First ... Read >
Author: Avi Solutions05th February 2009
Being debt free is almost like a dream for some and more and more people are seeking help to become debt free. The concept of having credit available, using it wisely or not at all, saving religiously and planning for the future has become alien in our so... Read >
Author: Rahul Rungta04th February 2009
Being debt free is almost like a dream for some and more and more people are seeking help to become debt free. The concept of having credit available, using it wisely or not at all, saving religiously and planning for the future has become alien in our so... Read >
Author: Rahul Rungta02nd February 2009
It is judged that a quarter of the UK population have problems when applying for finance because of poor credit. Back in the time when only a small group of banks gave mortgages to the consumer, a low credit score proved a major difficulty. low scoring ap... Read >
Author: Sarkin30th January 2009
A new proposal to help Americans struggling with mortgage debt overcome their problem has gained the support of baking giant Citigroup. This move, a legal reform initiated by US lawmakers dubbed “cramdown”, would result in courts wiping out mortgage d... Read >
Author: Musa Aliyu30th January 2009
A new proposal to help Americans struggling with mortgage debt overcome their problem has gained the support of baking giant Citigroup. This move, a legal reform initiated by US lawmakers dubbed “cramdown”, would result in courts wiping out mortgage d... Read >
Author: Musa Aliyu25th January 2009
The housing market isn’t moving and this is creating a build up of first time buyers who would are still trying to get on the property ladder this isn’t going to change and demand will build. Click n go Mortgages have seen a huge increase in the numbe... Read >
Author: James Marshall21st January 2009
Fixed-Rate Mortgages
Fixed-rate mortgages are those which offer to borrow you the money and keep the same interest rate throughout the whole of the repayment period. These can be extremely useful in an unstable climate, however they are now beginning to... Read >
Author: Rachael051820th January 2009
As the global economy has changed over the past 12 months or so, more and more people are turning to Sales training courses to help them secure more sales.
For the past number of years companies have not had to worry about sales training as the economy... Read >
Author: Frank O’Tools16th January 2009
As the new year arrives, and many of us a promising ourselves we’re going to succeed in our resolutions and make 2009 the best year yet, we still have a dark financial reality to face up to. The latest news from the mortgage representative companies is ... Read >
Author: Jennifer Quirk16th January 2009
My partner and I are lowly first time buyers with a few savings, certainly not enough for a deposit. We rent our slightly shabby 2 bed house, which I long to decorate but don’t want to add value, and are slowly but surely paying off our landlords’ mor... Read >
Author: James Marshall13th January 2009
Affordable homes are available across Scotland now. The Scottish government offers the Low-Cost Initiative for First Time Buyers scheme (LIFT), helping people get on the property ladder. However with current uncertainty in the market and tighter lending c... Read >
Author: cborthwick905th January 2009
As with anything in life there are high times and low times for all involved. Currently due to do increasing inflation rates and high interest rates, home owners are starting to feel the effect of the recent rate hikes and many out there are battling to m... Read >
Author: srini05th January 2009
The Property market is likely to continue to be sluggish throughout 2009 although there will be niche areas which will continue to show some improvement.
The overall level of new developments will be at a significantly reduced number than that of even... Read >
Author: Tony Murtagh02nd January 2009
Wirral County Council is offering Housing advisor's to offer recommendation and assistance to families over the coming year. Housing officers can help with disputes with landlords, disrepair, threats of homelessness, Rent arrears and Harassment/i... Read >
Author: Robert Palmer29th December 2008
The housing market crash has it's winners and losers. Which one are you?
By mid 2007 house prices were still rocketing with the early predictions for 2007 to be that house prices would continue to rise possibly by around 10%. That was before sections... Read >
Author: Wheres My Property19th December 2008
With today’s declining economy and rising unemployment rates it’s hard to understand how the current crisis will affect many Americans and their opportunities to buy, sell, or just keep a home. Many speculate that the explosion of the subprime loan wa... Read >
Author: Robert Palmer15th December 2008
Copyright (c) 2008 Steve Smith
The UK mortgage market is beginning to return to a state of normality after an extended period of high prices and easy access to property purchase loans, Your Mortgage has claimed.
While many homeowners may be worried ... Read >
Author: smudger14th December 2008
Soldiers trying to get on the property ladder will be eligible for interest-free loans
They are to be offered interest- free loans from the Government to help them climb onto the housing ladder.
For the first time, service personnel who live in military... Read >
Author: michael challiner12th December 2008
Britons who are on the hunt for a cheap property in the current adverse financial climate may do well to avoid Kensington and Chelsea, it has been revealed.
New figures from Halifax note that while the famous London borough has long been considered a h... Read >
Author: ARouse01st December 2008
A Lift mortgage is a shared equity scheme helping people living in Scotland acquire their first home. If you are looking to buy a home you would put up the majority share for the property, which is normally between 60 and 80 per cent, and the Scottish Gov... Read >
Author: cborthwick901st December 2008
Figures have been released stating that one in every five houses currently on the market are only there due to their owners not being able to keep up with the mortgage repayments. More and more people are struggling since mortgage providers have put a hal... Read >
Author: barryloughran@live.co.uk01st December 2008
House prices have fallen by 15 per cent this year compared to last year with the year ending in October. This information has been released by the biggest mortgage lenders in the country the Halifax; they also stated that it had decreased by 2.2 per cent ... Read >
Author: barryloughran@live.co.uk27th November 2008
Of course, there are pros and cons to both buying and renting property. For those who have a regular, steady income and are settled in their work and personal life, stepping onto the property ladder may seem like the most sensible move to make. However, f... Read >
Author: Adam Singleton25th November 2008
While the country is going through a credit crunch many homeowners are far too nervous about their financial situation to progress further up the property ladder. Due to the turbulence of the UK’s current property market close to 10% of property owners... Read >
Author: SEO Positive24th November 2008
As the global economy has changed over the past 12 months or so, more and more people are turning to Sales training courses to help them secure more sales.
For the past number of years companies have not had to worry about sales training as the economy... Read >
Author: Frank O’Tools16th November 2008
For many years young people have had problems getting onto the property ladder. This is due to a range of factors including taxes, the high cost of living and also the higher cost of property. One thing that young people who are looking for get onto the p... Read >
Author: Spot Biddle27th October 2008
Life, as they say, begins at forty; and let's face it, as people are living longer these days, we can all afford to step back a decade, and even though the 40th birthday gifts and cards might let slip your actual age, there's no reason to get depressed.... Read >
Author: Johnasmith21st October 2008
A current talking point across the globe is the economic climate and the ripples felt by its downturn. Falling property prices are one of the perceived problems of the predicted recession and the subject has been shrouded by a cloud of doom and gloom, ... Read >
Author: Isla Campbell21st October 2008
With the share prices tumbling across the world, a great many people do not understand where the credit crunch came from.
Edward Jones, an investment advisor claims that, a basic explanation lies with the sale of adverse loans in the US. This type of l... Read >
Author: ARouse08th October 2008
Getting a holiday home in Spain, France or Cyprus for many people from the 1980's onwards seemed to make a lot of sense - it was a new appreciating asset that would bring not just revenue but happiness too as they holidayed in their own home, which friend... Read >
Author: Robert Palmer07th October 2008
Being a first-time property buyer in South Africa can be a daunting experience. It's a big decision to make with even bigger responsibilities. Therefore, it's important to do proper research in order to get all the help you can before taking your first st... Read >
Author: Lulie Swanepoel07th October 2008
Getting started in property investment is no easy feat. Hunting for houses and properties can be time consuming, most especially a first-time property investor. With the stabilising property prices and fidgety interest rates, many would-be buyers are wait... Read >
Author: Parmdeep Vadesha01st October 2008
Life, as they say, begins at forty; and let's face it, as people are living longer these days, we can all afford to step back a decade, and even though the 40th birthday gifts and cards might let slip your actual age, there's no reason to get depressed. I... Read >
Author: John Smith01st October 2008
Bradford & Bingley being nationalised, just as Northern Rock was, spells the end of self cert mortgages.
Bradford & Bingley were the leading provider of self cert mortgages and buy-to-let mortgages and now we will see the two mortgage products being ph... Read >
Author: LolitaBrown01st October 2008
You may have heard the term Shared Ownership or New Build Homebuy and wondered where exactly you fit in on this and whether it could benefit you in any way.
As a prospective first time buyer I am often left anxious, wondering whether I am ever going to... Read >
Author: LolitaBrown30th September 2008
The United Kingdom is in dire need for more properties. There has been a huge push recently from the government to build more homes in the near future to keep up with the demand. The waiting list for rental property is growing too, based on the June 2008 ... Read >
Author: Parmdeep Vadesha30th September 2008
For both first-time and seasoned property investors, one of the best bets for scoring a great deal on a prize property is through an auction. An auction is a good place to start if you want to get up on the first rung of the property ladder. For the more ... Read >
Author: Parmdeep Vadesha25th September 2008
One year on from the onset of the credit crunch the UK housing market is still adjusting to the limited supply of mortgages for both owner occupiers and residential landlords.
The impact now stretches beyond borrowers and lenders to the house building ... Read >
Author: MarkeD25th September 2008
Writing an article on the state of the Buy To Let (BTL) sector in late August 08 for a September the 1st deadline is always a challenge as many property professionals take an extended holiday break (your Editor included) in July and August. And of course ... Read >
Author: MarkeD24th September 2008
The Press Association recently reported that Britain's first time buyers can look at making savings of around £20,000, before climbing onto the property ladder. This figure could continue to rise as house prices fall. Prices dropped in excess of ten perc... Read >
Author: Which4u23rd September 2008
The Press Association has reported that the UK's first-time buyers are expected to be making savings of around £20,000, before joining on to the property ladder. This figure could increase as house prices continue to fall - exceeding ten percent over th... Read >
Author: Which4u19th September 2008
Surveys have revealed that Britons are not doing enough to prepare themselves for retirement
GE Money reveals that only one in four Britons calculate that their future savings will be not be substantial enough to provide them with comfortable retiremen... Read >
Author: Which4u11th September 2008
While the country is going through a credit crunch many homeowners are far too nervous about their financial situation to progress further up the property ladder. Due to the turbulence of the UK’s current property market close to 10% of property owners... Read >
Author: SEO Positive09th September 2008
The recent stabilisation of house prices coupled with the increasingly stringent lending standards may give the impression that first time homebuyers with little or no savings have no option but to forego their plans of buying property. Indeed, data provi... Read >
Author: Parmdeep Vadesha09th September 2008
With the so-called ‘credit crunch’ wreaking havoc with the global economy, it’s probably safe to say that money is more of an issue than it has been in a long time for most people.
Homeowners, in particular, have perhaps felt the squeeze most... Read >
Author: mpressman09th September 2008
Most people in the UK are familiar with the word mortgage; but how many know exactly what the word means and how mortgages work?
The word mortgage is derived from the French language and literally means “dead pledge”. It was based on the fact that... Read >
Author: Adam Singleton08th September 2008
New statistics issued by the Council of Mortgage Lenders (CML) have revealed despite many people struggling with mortgage repayments those who have buy to let mortgages have been hit the hardest by the credit crunch.
The figures show 176,500 new buy to... Read >
Author: cborthwick908th September 2008
As the global economy continues to slow, it is becoming increasingly difficult for house buyers to purchase the type or size of property they truly desire. This can be especially true for people who are trying to place their feet upon the first step of th... Read >
Author: Mac T. Wheeler05th September 2008
Shared Ownership Mortgages and affordable housing schemes are helping people to get onto the property ladder.
As the country enters a severe housing slump, shared ownership mortgages are aiding people to overcome the problems facing those trying to get... Read >
Author: LolitaBrown05th September 2008
There hasn’t been a harder time than in the past few months for those looking for a first time buyer mortgage with rising house prices and the credit crunch has caused lenders to tighten their lending requirements and cancel and reduce the number of mor... Read >
Author: cborthwick902nd September 2008
The great housing boom of the nineties and onwards was a time of endless building and big dreams, but these things cannot last and the inevitable downturn has occurred with house prices and value falling at record rates.
We all knew this day would come... Read >
Author: Adam Singleton02nd September 2008
Recent research by the BBC has found that more people welcome falls in housing prices than they do increases. These results are very surprising as the general assumption was that an increase in prices was more welcome due to houses increasing in value. Th... Read >
Author: Robert Palmer28th August 2008
For many seasoned property investors, an auction is a very good way to find below market value properties to add to their portfolio. Most people know that an auction is a good place to snatch up a wide range of properties at bargain basement prices. Some ... Read >
Author: Parmdeep Vadesha22nd August 2008
Often, it can be confusing to determine which real estate investing training courses you should invest in when you're just getting started. Or whether you should take one at all.
Some real estate investors proudly declare themselves as self-taught, lik... Read >
Author: BradWozny22nd August 2008
The last few months have been a good time for investing in rental real estate property and the coastal areas have been particularly popular. Many younger buyers have spotted this, and have thought of innovative ways to get into the real estate market.
... Read >
Author: Karrie Rose22nd August 2008
If you buy a home, it will probably be the biggest financial investment that you will make in your life. It is a choice which some people choose never to make, preferring to spend their savings on luxury vacations or their own business. However, there do... Read >
Author: Justin Havre22nd August 2008
In light of the ongoing credit crunch, it is getting even harder for people especially 1st time buyers to get on that ever so attractive and essential property ladder. The majority of people are finding it hard to borrow the cash for their homes with the ... Read >
Author: barryloughran@live.co.uk15th August 2008
It has been said that people on average move every five to seven years but on the other hand you find people who stay in the same house all their life. These people tend to find it hard to understand why people would want to move so much, in this article ... Read >
Author: Robert Palmer13th August 2008
You will most likely be aware of the problems in the mortgage market as of late. With the credit crunch making it harder for everybody to manage anyway, those trying to get onto the property ladder have to get at the back of a very long queue to start cli... Read >
Author: Christian Ward13th August 2008
Everyday the news about the housing market is worse than the day before. Now there are close to 2 million homes up for foreclosure in the USA and countless banks have gone under. So is this the time to buy a house? There is no doubt that the houses are a ... Read >
Author: Robert Palmer12th August 2008
Home ownership is the dream of many Australians, but taking that first step onto the property ladder is now harder than ever. The current housing affordability crisis puts many properties out of the reach of first home buyer budgets. And spiralling rents ... Read >
Author: TedBrumby25th July 2008
House prices have dropped by 0.6 per cent in March, bringing the annual rate of house price growth down to 1.1 per cent, Nationwide has revealed.
The figures come amidst global financial instability and news that housing market activity is decreasing.... Read >
Author: Seamus Swords24th July 2008
If you are looking to buy your first home, then a shared equity scheme could help you to structure your finances and get onto the property ladder.
A shared equity mortgage is the term given to taking a mortgage out on part of your home and an equity lo... Read >
Author: LolitaBrown24th July 2008
If you are looking to buy your first home, then a shared equity scheme could help you to structure your finances and get onto the property ladder.
A shared equity mortgage is the term given to taking a mortgage out on part of your home and an equity lo... Read >
Author: LolitaBrown23rd July 2008
House 100% ownership?
When it comes to housing and real estate, long term residency in Bangkok is still as an attractive prospect as it ever was. Not only amongst the expatriate business community but also with Thai nationals who have moved to the city d... Read >
Author: sweetsingles01@gmail.com22nd July 2008
Mansfield is the latest town climbing the commercial property ladder according to property experts at Property Investment Portfolio (PIP). The Nottingham firm has just acquired the site of Paramount Windows in Mansfield to convert into seven industrial un... Read >
Author: Arv Soar17th July 2008
Buying a Cyprus holiday home or villa is a great investment and with the UK property market at a standstill many people are looking at the international markets and Cyprus property for sale has much to offer. Some first-time buyers are purchasing abroad ... Read >
Author: Kate Smith16th July 2008
House prices in the UK are plunging, with fewer buyers looking to purchase properties. Those selling their homes have to compete with each other, and many are trying to undercut their prices to secure a sale. In addition those who are looking to buy are p... Read >
Author: Danielle Fletcher13th July 2008
Other than folk who have been hibernating for the last few months I think it is fair to say we all know property sales have slowed. At least the exciting end to the European championship football having three British clubs in two finals gives the newspape... Read >
Author: Graham Drage08th July 2008
The credit crunch, there’s no getting away from it- it’s highlighted on the television, the radios, even schools are talking about it. And no matter where you go in the UK, you won’t hear the end of it. Let’s just face it; the credit crunch is her... Read >
Author: Arti Manani 07th July 2008
Whilst there can be little doubt that buying a home is a far more prudent option in the long-term than renting, the decision to take that first step onto the property ladder shouldn’t be taken lightly.
Indeed, having a long-term financial commitment... Read >
Author: Daniel Collins05th July 2008
Copyright (c) 2008 Parmdeep Vadesha
A few years ago, the Million Pound Property Experiment was the biggest surprise hit to take over the TV screens. Aired over BBC Two, the show was about how two designers, Colin McAllister and Justin Ryan, took a gamb... Read >
Author: Parmdeep Vadesha03rd July 2008
Two thirds of people in Britain will not buy property in the next 12 months, according to a new survey.
The poll by myfinances.co.uk suggests that falling house prices and the weakening economy has hit would be homebuyers. The study further shows the s... Read >
Author: Mildred30th June 2008
The mortgage market has been on a downturn for almost a year now with a slump of 19% from last May. It has been particularly bad news for first time buyers as they have struggled to get a mortgage in today’s hostile financial market. Mortgage lending wa... Read >
Author: Karl Bantleman25th June 2008
Have you been in bed listening to the cold wind and incessant rain, thinking “I wish I could be in the sun”? If you had one of the studio apartments in Cyprus you could just jump on a plane and lie on a sunbed with the sun blazing down and the sound ... Read >
Author: Kate Smith23rd June 2008
- a fabulous wedding with all the trimmings, or even
If you rent your home and you need to borrow money with an unsecured loan, a tenant loan may be easier to get than you think! In the past, lenders have tended not to cater for tenants because of their... Read >
Author: Precious Almas23rd June 2008
If you rent your home and you need to borrow money with an unsecured loan, a tenant loan may be easier to get than you think! In the past, lenders have tended not to cater for tenants because of their concerns about what may happen, should their borrowe... Read >
Author: Precious Almas21st June 2008
The outlook for the mortgage market, appears to be gloomy according to industry figures.
Speaking earlier this week, at a conference for the mortgage industry in Manchester, Jackie Bennett, head of policy at the Council of Mortgage Lenders (CML), state... Read >
Author: Ruth21st June 2008
In the wake of the credit crunch, which hit the USA in late 2007 and has now began to have repercussions in the UK housing market, uncertainty has meant that property price rises have slowed in most areas of the country, and in some places a drop in value... Read >
Author: Daniel Collins20th June 2008
Cyprus has become Europe's top holiday destination in a very short time and is probably the only place in Europe where property prices are still on an upward trend. Cyprus is an island paradise and offers every type of luxury to it's visitors, which is wh... Read >
Author: TimMartins20th June 2008
Given the choice, most people would buy a house outright and avoid borrowing altogether. For most of the UK, however, there is no such choice, so a mortgage is the only way to become a ‘home owner’. As house prices rise and fall dramatically in short ... Read >
Author: Daniel Collins18th June 2008
With house prices seeming like they are in a perpetual downhill spiral, many people are in that frame of mind of buy or not to buy. With leading people in the mortgage and housing industry saying the best move at the moment is to rent for a time and see h... Read >
Author: David Harland17th June 2008
House prices across the country are slowing and expected to fall over the next couple of years. Everyone by now should be aware of this fact, but are we really aware of the implications?
It seems not, as a recent survey conducted by the BBC revealed t... Read >
Author: Carys Robshaw16th June 2008
A poll carried out by YouGov has shown that more than one million household in the UK have used a credit card to pay their mortgage or rent. Housing charity Shelter backed up these findings by revealing that 6 per cent of those surveyed admitted they need... Read >
Author: Phil 16th June 2008
Thousands of homeowners face having their houses repossessed as the result of a home loan scam that could result in the rogue mortgage brokers behind it, being named and shamed.
City watchdogs have exposed the bogus advisors who encouraged people wa... Read >
Author: Phil 13th June 2008
Other than folk who have been hibernating for the last few months I think it is fair to say we all know property sales have slowed. At least the exciting end to the European championship football having three British clubs in two finals gives the newspape... Read >
Author: Graham Drage13th June 2008
Buying a property is one of the most stressful and arduous tasks one can ever encounter, it does come with some huge blessings and an unquestionable sense of achievement. All positive emotions and sentiments fostered may become overshadowed in the event o... Read >
Author: Onome Okwuosa29th May 2008
There are three facts about Shared Ownership Mortgages that will help you understand the process better. The first fact is that Shared Ownership Mortgages make home buying affordable for those who cannot afford to buy or privately rent. This is because ... Read >
Author: LolitaBrown29th May 2008
There are three facts about Shared Ownership Mortgages that will help you understand the process better. The first fact is that Shared Ownership Mortgages make home buying affordable for those who cannot afford to buy or privately rent. This is because ... Read >
Author: LolitaBrown27th May 2008
Copyright (c) 2008 Parmdeep Vadesha
More and more first-time homebuyers are finding that climbing up the property ladder is becoming more and more like scaling a mountain. The sentiment is brought about by rising interest rates and skyrocketing house p... Read >
Author: Parmdeep Vadesha25th May 2008
In 2005 Sara B. Miller wrote an interesting article about the growth of intergenerational living in the US. Financial strain, she argued, were forcing more and more families to live under one roof.
Three years later the issue is receiving growing atte... Read >
Author: Michelle Harricharan20th May 2008
Buying abroad and renting in Britain could well be the new trend for young property buyers living in the UK. This trend is being demonstrated by first time British buyers choosing Bulgarian property over the UK
Nearly one in four are now priced out of... Read >
Author: nicholas marr20th May 2008
Saving for a deposit to buy a home can be difficult during times of high property prices. This is particularly the case when the average price of a property rises above four times the average salary. This can make the task of saving for a deposit take sev... Read >
Author: michael sterios20th May 2008
Over the last five years, people in the UK have enjoyed relative prosperity, with a booming economy amounting to large increases in private wealth. Salaries had been rising and the property market soaring, raising the standard of living and allowing many ... Read >
Author: Danielle Fletcher20th May 2008
Those investing in the property market will wonder what, if anything, the government can do to help people get on the property ladder. A reduction in house prices is clearly not helping, partly because the cause of it is the same factor - the credit crunc... Read >
Author: Assetz UK20th May 2008
According to figures, 10% of all homes bought in 2006 were via the buy-to-let mortgage option. Accounting for over £17.5 billion, it’s a number that looks set to grow, if 2007’s trends are anything to go by. Looking at what a buy-to-let mortgage offe... Read >
Author: michael sterios20th May 2008
Its official: the housing market is in crisis. At least, this is the not-so private view of housing minister Caroline Flint. If she had hoped to keep her briefing to the cabinet on the subject under wraps today, she might have done better than hold her no... Read >
Author: Assetz UK15th May 2008
The last 100% mortgage which was still on the market was removed from Abbey’s offerings on the 7th of April at 10pm. This marked the end of the no-deposit mortgage era. Abbey is responsible for 1 in 10 mortgages in the UK and the bank said that these m... Read >
Author: Sarah Othman15th May 2008
In these days of financial uncertainty and banks on the brink of a meltdown it is getting increasingly hard for the average homeowner (or prospective home owner) to get a mortgage or any form of financial lending. There have been a lot of factors that ha... Read >
Author: Andy Adams15th May 2008
With the cost of houses and property continuing to rise, UK mortgages are also becoming more expensive. For first-time buyers, this is more of a problem than for those already on the property ladder. With the average cost of a new home now almost £200,00... Read >
Author: michael sterios09th May 2008
The Royal Institute of Chartered Surveyors (RICS) has announced that house prices have reached their worst point since the housing market crashed in the early 1990s.
The number of surveyors who reported a significant drop in house prices in January, ... Read >
Author: Jemma08th May 2008
For first time buyers hoping to step on to the property ladder the current market uncertainty is a cause for concern. Although house prices are falling the cost of borrowing is rapidly rising and it is becoming increasingly difficult to raise the money fo... Read >
Author: Carole08th May 2008
Holiday homes and investment in a property on the Span, Mallorca has been appealing for four decades now, with many Europeans who have been on holiday on the Spanish island have thought of purchasing a second holiday home, or Businesses, Bars for sale in ... Read >
Author: Mac T. Wheeler08th May 2008
Due to the continually rising house prices many people are now starting to turn to property renovation as their way of getting onto the property ladder. The idea of buying an out dated or run down property may not appeal to everyone but if the renovation ... Read >
Author: Helen30th April 2008
With buying a house the biggest single financial outlay you’re likely to make in your life, making sure you get the right mortgage for you is extremely important. However, with a little bit of forward planning and some research, as well as making use of... Read >
Author: michael sterios30th April 2008
The Royal Institute of Chartered Surveyors (RICS) has announced that house prices have reached their worst point since the housing market crashed in the early 1990s.
The number of surveyors who reported a significant drop in house prices in January, exce... Read >
Author: Jemma28th April 2008
So you’re looking for a mortgage to buy your first home. You’re ready to put your foot on the first rung of what’s popularly known as “The property ladder.” No doubt you watch the TV news and read the newspapers so you’ve probably gathered tha... Read >
Author: lexisclick28th April 2008
For first time buyers hoping to step on to the property ladder the current market uncertainty is a cause for concern. Although house prices are falling the cost of borrowing is rapidly rising and it is becoming increasingly difficult to raise the money ... Read >
Author: Dyson Broome27th April 2008
With the price of the average home in the UK now standing at around a staggering £230,000, according to the Land Registry of England & Wales, getting onto the property ladder is becoming increasingly difficult. With most mortgages only allowing you to bo... Read >
Author: michael sterios27th April 2008
Almost every edition of lunchtime and evening news headlines on the TV has finance related news these days, the financial markets are plumeting and every month, sometimes every week, another bank asks for additional funding. RBS are the latest bank to adm... Read >
Author: SimonDuffy27th April 2008
Almost every edition of lunchtime and evening news headlines on the TV has finance related news these days, the financial markets are plumeting and every month, sometimes every week, another bank asks for additional funding. RBS are the latest bank to adm... Read >
Author: SimonDuffy18th April 2008
Looking to purchase a shared ownership house? Are you looking for a shared ownership which suits your needs? Cheap shared ownership mortgage rates allow a borrower certain benefits; low interest rates and easy repayment options.
A shared ownership mo... Read >
Author: LolitaBrown16th April 2008
With the continued rise in house prices and interest rates, it's little wonder that first-time buyers have been finding it difficult to make those first, tentative steps onto the property ladder - especially when you consider that in the current UK proper... Read >
Author: Adam Singleton11th April 2008
Research has found that British pensioners have a combined debt of £57bn and many still have mortgages to pay off as they are entering retirement.
A leading pension provider has said that there are a total of 1.1 million retired homeowners who are sti... Read >
Author: Gill09th April 2008
There has been a real turnaround in the financial markets since the start of 2008. The fallout from the subprime mortgage problem in the USA is being felt on this side of the Atlantic. But what does this mean for you if you're trying to get a mortgage t... Read >
Author: Paul Elms08th April 2008
Buying your first house can be very exciting but it can be a very stressful time as well due to the amount of financial support that is often needed.
Many young homebuyers are taking out expensive personal loans and overdrafts so that they will be able... Read >
Author: Gill04th April 2008
As a first time buyer you form the foundations of the UK housing market. It’s called the property ladder for a reason. You start on the bottom rung and as you start to build equity in your property and your salary increases to enable you to afford a l... Read >
Author: Lee Unsworth04th April 2008
Depending on your age, family status and income, there are always pressures to live a certain way and spend a certain amount of money. For most families, the opinion is that it is better to buy a house and deal with a mortgage instead of renting. The reas... Read >
Author: Bill Hinson03rd April 2008
Young people have numerous life targets they wish to meet, new figures reveal.
In a study carried out by Alliance & Leicester as part of its Moving Improving research, taking their initial steps on the housing ladder is one of the main life goals those... Read >
Author: ARouse28th March 2008
If your fixed rate mortgage comes to an end this year you'll be one of the 1.5 million people re-mortgaging and you could be shocked at the effect interest rate increases will have on your wallet because you'll definately end up paying out a higher monthl... Read >
Author: SimonDuffy28th March 2008
If your fixed rate mortgage comes to an end this year you'll be one of the 1.5 million people re-mortgaging and you could be shocked at the effect interest rate increases will have on your wallet because you'll definately end up paying out a higher monthl... Read >
Author: SimonDuffy28th March 2008
When you are setting yourself up as a buy-to-let property investor, you may imagine that it is a good way to make lots of money but there is a lot of things to look out for an avoid. This top ten list will help you avoid losing money and get you on your w... Read >
Author: Jonnie Kaplinsky27th March 2008
With the ongoing credit crunch affected many areas of the financial market, many homeowners now find themselves struggling to cope with increases in repayments on loans, mortgages and other borrowing.
In reaction to these spiralling rates, lenders are ... Read >
Author: DCollins25th March 2008
Yesterday’s budget brought no rest bite for first time buyers first time buyers as the Mr Darling announced that the stamp duty threshold will remain the same. People buying into shared equity schemes will have the option not to pay stamp duty until the... Read >
Author: SimonDuffy25th March 2008
Yesterday’s budget brought no rest bite for first time buyers first time buyers as the Mr Darling announced that the stamp duty threshold will remain the same. People buying into shared equity schemes will have the option not to pay stamp duty until the... Read >
Author: SimonDuffy19th March 2008
The budgetfor 2008 is set to be delivered tomorrow at 12.30pm by the Chancellor Alistair Darling. I'm sure you've already seen the press coverage suggesting that Alistair Darling is mearely presenting Gordon Brown's measures as former Chancellor himself. ... Read >
Author: SimonDuffy19th March 2008
The Budget for 2008 is set to be delivered tomorrow at 12.30pm by the Chancellor Alistair Darling. I'm sure you've already seen the press coverage suggesting that Alistair Darling is mearely presenting Gordon Brown's measures as former Chancellor himself.... Read >
Author: SimonDuffy10th March 2008
It is strange to think that in the fifties houses were considered 'plush' at 1,000 square feet and then we whooped all the way up to an average home of 2,500 square feet before we started the current trend back downwards.
The fact that most homes have... Read >
Author: Lee Cameron03rd March 2008
Over the past couple of weeks a number of lenders have announced that they will no longer be offering mortgage loans of 125%, reflecting the continuing impact of the global credit crunch that has already resulted in tighter lending conditions across the U... Read >
Author: Reno Charlton26th February 2008
How do I know if I need an adverse credit mortgage?
Take a look at your credit history. If you have extensive credit card debts, had a County Court Judgment (CCJ) against you, have been declared bankrupt or have had a mortgage application declined, you... Read >
Author: sam lowe23rd February 2008
I’ve always thought the 100 per cent mortgage was a bad idea in the first place. It was something my parents warned me against taking out when I bought my first house with my girlfriend, and if your parents warn you to steer clear of something when it c... Read >
Author: SimonDuffy19th February 2008
Having a CCJ (County Court Judgment) may give you a problem when searching for a mortgage loan. High street traditional mortgage lenders are averse to any kind of risk, and people with bad credit history rarely fit the client profile they are looking for.... Read >
Author: John Sern19th February 2008
If you need an adverse credit mortgage, then you should do your research and find out the facts before you commit to anything.
Regardless of the state of your credit history, armed with a bit of patience and a good understanding of lender criteria you ... Read >
Author: John Sern19th February 2008
You can stop house repossession – all you need is a fast house sale. Even if lenders are attempting to take your house, this will work. It's not unusual to 'forget' a mortgage payment – hundreds of thousands of us do it at least once each year. Howeve... Read >
Author: stgenix01@googlemail.com11th February 2008
So many people are now turning away from the house buying situation, but what of buying a condo? Many condos are big enough for a family and have the added luxuries that are not available in many homes. They are also less expensive than buying a traditio... Read >
Author: Christian Jacobsen01st February 2008
Most financial experts are now all but certain of economic strife ahead, with estimates of severity ranging from a flat line economy - in the best and maybe most unrealistic case - right through to serious worries of a severe global recession of the like ... Read >
Author: Nicholas Hunt31st January 2008
With the housing market in the UK facing turbulent times, first-time buyers are finding it increasingly difficult to get their foot on the property ladder.
With the average first time buyers’ property price marked at around £162,000, those wishing t... Read >
Author: DCollins24th January 2008
The annual winter lull in the real estate market means that the time is good for prospective buyers who like to take their time. With Canadian unemployment at a 33 year low, the realty market looks like holding strong.
It is difficult for many of us C... Read >
Author: Joe Samson24th January 2008
Interest only mortgages allow borrowers to reduce their monthly mortgage payments by only paying interest on the outstanding loan balance.
Capital repayments are not made on a monthly basis with interest only mortgages. Instead, the payment of the capi... Read >
Author: michael sterios24th January 2008
The latest trend in the mortgage market has been an increase in the number of borrowers taking out a 100% mortgage. This means that the loan-to-value ratio of the mortgage is 100% rather than the 85% or less normally attached to more traditional mortgage ... Read >
Author: michael sterios22nd January 2008
A buy-to-let mortgage is a form of investment which can offer more security than the less predictable stock market. It comes with no guarantees, but as the nation gets more in debt and standard mortgage applications are being turned down, people are looki... Read >
Author: Jay Tillotson22nd January 2008
Young people feel that they are under intense financial strain, a new study shows.
According to research carried out by Gumtree, four out of ten Britons between the ages of 18 and 30 claimed that they are worried about their monetary situation and beli... Read >
Author: ARouse21st January 2008
The concept of shared equity is that you buy a portion of a property and rent the rest. Local authorities and house builders can offer shared equity homes. You still need a deposit to put down for your purchase, but it is less than normal because it is on... Read >
Author: nickr718th January 2008
Most Britons aspire to owning their own home, and those about to get on the first step of the property ladder need to ensure that they have all the relevant insurances against mishaps, not just those relating to the home but also to the homeowner.
Bu... Read >
Author: Andrew Regan18th January 2008
Mortgages can be a confusing topic. With so many different mortgage options available, choosing the right one can be a daunting task. This is especially true if this is your first attempt at getting on the property ladder.
A mortgage will probably be ... Read >
Author: Nick Cox10th November 2007
There are many ways to profit from property - in this article I will attempt to explain one of the easier ways. It doesn't involve doing any renovation work, but it does involve purchasing a property that is in need of renovation.I recently watched a tele... Read >
Author: Renovate Alerts21st October 2007
Mortgage jargon can be baffling at the best of times, but imagine what it is like when you are beginning to meet mortgage advisers or read up on the different types and have to face all of that information at the same time! However, it need not be so comp... Read >
Author: Jason Hulott11th October 2007
With the credit crunch obliging many lenders to make the criteria for borrowing more restrictive, first-time buyers are facing a new hurdle to overcome this month (September 2007). But in looking further afield for a way to get onto the property ladder, t... Read >
Author: Erin Ryan05th October 2007
If you love golf and long for a home in the sun the beautiful Island Cyprus could be the answer to your dreams. With over 320 days of warm Mediterranean sunshine every single year Cyprus is a golfers paradise and astute investors are catching on fast. The... Read >
Author: kevinor04th October 2007
Property affordability is at an all-time low. It hardly seems like a month goes by without new statistics being released regarding the declining affordability of home ownership. However, despite all the doom and gloom, there are various schemes available ... Read >
Author: michael sterios03rd October 2007
Cyprus property developer numbers have increased dramatically over the last five years as the demand for apartments and villas continues to outstrip the supply. As always property or real estate as it is also known remains a solid long term investment tra... Read >
Author: kevinor18th September 2007
Bulgaria is cementing its lead as an investment property hotspot for skiers and snowboarders looking to own a slice of the slopes. The country's recent accession in the EU, together with the low prices and plentiful property facilitated by the building bo... Read >
Author: Elisha Burberry28th August 2007
Vacation homes and investing in a property on the Spanish island of Mallorca has been popular for several decades now, with many Europeans who have holidayed on the Spanish island deciding to buy a second home for holidays, a business, or for retirement.
... Read >
Author: Robert Palmer21st August 2007
It's less than a month into Gordon Brown's new leadership and already changes are afoot in the UK housing market. The Bank of England base rate was increased earlier this month to 5.75% - its fifth rise since August 2006 - and the effect on UK mortgages l... Read >
Author: Adam Singleton16th August 2007
Despite gloomy predictions by some industry experts following the recent interest rate rises, mortgage lending hit record levels during the month of June 2007. According to figures published by the Council of Mortgage Lenders (CML), gross levels of lendin... Read >
Author: Andrew Regan15th August 2007
According to the recently published fourth annual Graduates First Time Buyer report, one in ten graduates believe they will never be able to afford to buy their own home. But that statistic doesn’t just apply to this year’s graduates: almost 25% of th... Read >
Author: Andrew Regan14th August 2007
It’s been a very dull summer this year, not only in the form of the weather but also in the housing market. Indeed, there are very definite signs throughout the UK that the property market is beginning to stall. Many homeowners put their property on the... Read >
Author: Greg Manton14th August 2007
In the wake of increasing interest rates, interest only mortgage products have become an increasingly popular tool for home owners to control their monthly expenses.
Interest only mortgage applications generally rise in number when interest rates begin... Read >
Author: michael sterios08th August 2007
Now, more than ever, people are realising that their home is the biggest investment that they are likely to make in their life. With that in mind, the way you decide to decorate your home can be a very important factor in how valuable your home will appea... Read >
Author: Jane Watt03rd August 2007
Boasting some of the best beaches in Europe, Portugal has long been a favourite destination for British sun-seekers taking advantage of cheap flights to the country, as well as the Mediterranean climate and lower cost of living it has to offer. But with ... Read >
Author: Adam Singleton26th July 2007
Buying a home is a big purchase and an exciting one too! Very often, the savings of an individual fall short while buying a home in cash. Hence, there is a huge demand for mortgages. It helps people get on the property ladder, though they may not have eno... Read >
Author: Ben Estevan25th July 2007
Shared ownership mortgages are specialist mortgages that are designed to cater for purchasing property through shared ownership schemes.
Shared ownership schemes are also known as shared equity schemes and have become a popular method for first-time-bu... Read >
Author: michael sterios25th July 2007
E is for...
Early repayment charge (ERC) or redemption penalty
If you sign up to a special-rate mortgage and later decide to pay off your loan early, then expect to pay a hefty fee for the privilege of bailing out before time.
Endowment policy
... Read >
24th July 2007
With interest rates now up to five point five percent and another interest rate hike expected in August, it is not surprising that only one in ten first time buyers are currently making it onto the property ladder.
The situation is further confounded ... Read >
Author: JamesQuinton24th July 2007
Getting a first time home mortgage loan can be a tricky business but the good news is that the competitive mortgage market welcome first time home buyer mortgage loans and offer incentives and attractive rates for first time buyers looking to join the pro... Read >
Author: joek23rd July 2007
Taking secured loans is the work of the wise and probably also of the lucky people. It is the work of the wise in the sense that this type of loan comes with certain benefits which are alien to most other loans. And the fact that this loan is offered to t... Read >
Author: Jack watson20th July 2007
The problem with being in real estate is that right now everybody and his brother wants to get in to it. They watch shows like Flip This House and Property Ladder and just assume that any old idiot can go out there and make a ton. While you don’t need... Read >
Author: Brandon05th July 2007
Buy to let is big business. You may find yourself receiving mailings about big seminars being held in your area. They talk about the huge profits people are making and invite you to get in on the act. The may promise to show you how to get a buy to let... Read >
Author: Robert Palmer05th July 2007
If you are a young professional, such as a member of the police force, you may be finding it hard to get on the housing ladder or find suitable accommodation for yourself and your family. What are your options?
� Help from parents. Of course you may... Read >
Author: Robert Palmer05th July 2007
Mortgage Approvals Fall
The number of new mortgages being approved has fallen to a twelve month low. One hundred and seven applications were approved in April down from one hundred and eleven thousand in the previous month.
High interest rates have... Read >
Author: JamesQuinton05th July 2007
With interest rates now up to five point five percent and another interest rate hike expected in August, it is not surprising that only one in ten first time buyers are currently making it onto the property ladder.
The situation is further confounded ... Read >
Author: JamesQuinton03rd July 2007
There was a time when pennywise people used to accumulate money bit by bit to buy a home of their home. Still they could manage to have a roof of their own only at the later part of their life. Thus, instead of enjoying the pleasure of living in their own... Read >
Author: Ben Estevan01st July 2007
In this day and age of low housing affordability, it is more difficult than ever for first-time-buyers to secure their first home. A shortage of housing stock has lead to a situation in which demand for housing far outweighs supply and this has, in turn, ... Read >
Author: michael sterios01st July 2007
Very few people are lucky enough to have the opulence of wealth prearranged for them. Those who are born with silver spoon in mouth and parented by plutocrats enjoy such luck. Most of the others find it difficult to make both ends meet. For them getting o... Read >
Author: Ben Estevan29th June 2007
In this day and age of rising costs and low housing affordability, various schemes have arisen to assist first-time-buyers get onto the property ladder. One is these is 100% mortgages, which provide enough funds to the borrower to purchase a property outr... Read >
Author: michael sterios29th June 2007
Property investment experts Emerging Places have stated that they believe Poland is the best emerging property market in the world to invest in. They have even launched a new company Emerging Poland to provide investment opportunities across Poland and h... Read >
Author: Robert Palmer19th June 2007
Becoming a home owner for the first time can be both a wonderful and slightly daunting experience. We take a look at some good tips on taking the first step onto the property ladder.
There are numerous reasons why thousands of us decide to buy properti... Read >
Author: Keith Barrett08th June 2007
Cash-strapped offspring are increasingly turning to their parents for help, with almost half of first-time buyers now reliant on their families to help fund their first property, according to the Council of Mortgage Lenders.
The council's latest re-sea... Read >
Author: Stephen Morgan08th June 2007
The Council of Mortgage Lenders has recently reported that first-time buyers are having to turn to family for assistance with funding their first property.
Apparently 46% of people under the age of 30 having to get financial assistance from relatives t... Read >
Author: Scott James04th June 2007
Now-a-days, borrowers want loans that do not involve any risk to their assets. Your home is your most valuable possession. Being a homeowner is a matter of great pride and that is why borrowers hesitate in providing their homes to the lenders as a securit... Read >
Author: Amenda04th June 2007
The number of new mortgages being approved has fallen to a twelve month low. One hundred and seven applications were approved in April down from one hundred and eleven thousand in the previous month.
High interest rates have begun to put pressure on p... Read >
Author: JamesQuinton30th May 2007
A newly conducted research by a leading high-street bank reveals that an increasingly large number of young home buyers are turning to their parents to get them a home. Estimates by the Council of Mortgage Lenders (CML) suggest that over 40% of the first ... Read >
Author: Angelo Drew25th May 2007
Bad credit mortgages are now a boom business in the UK, they have become a necessity in a financial environment where more and more people are finding that life is hard.
The financial situation in the UK has become rather difficult for a whole generation... Read >
Author: Alexis Svenn23rd May 2007
First time buyers are risking everything to get onto the property ladder. With property prices continuing to rise there is an increasing desperation among them, to buy property sooner rather than later. Some buyers are risking financial and personal ru... Read >
Author: joecool21st May 2007
They may be called tagged with a colour, brown and green, but that’s not the only thing they have in common. Both types of mortgages are ecological in their outlook.
Brown mortgages are specifically targeted at buyers who wish to convert or restore ... Read >
Author: JamesQuinton21st May 2007
Can first time buyers get onto the property ladder in today's housing market? The price of property has risen to such an extent that many first time buyers simply can't afford to enter the market. These potential buyers have to resort to increasingly more... Read >
Author: Carlton Johnson14th May 2007
Until recently, it has become increasing difficult for first time buyers to get a foothold on the property ladder in the UK. Due to the rapid increase in house prices over recent years, more and more first time buyers are finding it almost impossible to r... Read >
Author: James Grantworth09th May 2007
One of the most basic ways to increase your personal wealth has always been owning your own home. The equity that you accrue can be utilized to make investments, purchase additional properties, and secure your financial future. If you do it right. It take... Read >
Author: Adeal Benhayoun30th April 2007
The number of first-time buyers taking out a mortgage greater than the value of their home has risen 21% on last year, with one in ten buyers choosing to borrow the entire value of their property and more.
The rise in borrowing highlights the problems f... Read >
Author: JamesQuinton30th April 2007
With the average first-time property price reaching £156,000, six times the average wage of £26,000, renting a room out for extra income and sharing living costs is the latest way that first-time buyers are helping to pay off the mortgage.
A new typ... Read >
Author: JamesQuinton30th April 2007
House prices could fall by as much as 30% over the next few years, claim experts, which could trigger a recession as currently overvalued property prices (20% overvalued according to Goldman Sachs and the highest in 15 years) are corrected. Many watchers ... Read >
Author: JamesQuinton30th April 2007
It may not be an ideal solution, but for some the unconventional alternative of co-buying a property and sharing the cost, sometimes with a stranger, is the only solution currently available to get onto the property ladder. But it is essential to know the... Read >
Author: JamesQuinton12th April 2007
Despite widespread feeling that house prices were, at last, slowing, new figures released by the country’s biggest mortgage lender Halifax, suggest that house prices, are in fact, still rising on the back of a strong economy and shortage of homes for sa... Read >
Author: JamesQuinton03rd April 2007
If you rent your home and you need to borrow money with an unsecured loan, a tenant loan may be easier to get than you think.
In the past, lenders have tended not to cater for tenants because of their concerns about what may happen should their borrowe... Read >
Author: Carol Jameson27th March 2007
Buying your first home can be a very exciting time. Getting on the property ladder and gaining your independence can be a hugely fulfilling experience. However before you reach this stage it is likely you will have to overcome many challenges including ... Read >
Author: Peter Ecob14th March 2007
First Time Buyers Mortgage Tips
A good thing for those who own their own house and who are already homeowners is the fact that property prices have risen sharply recently. Unfortunately if you are a firsttime buyer and looking to get on the property la... Read >
Author: dyouell14th March 2007
There are many potential perils and pitfalls that a borrower can face when buying a home and taking out a mortgage. Many borrowers can fall foul of these perils due to misinformation or a misunderstanding.
Read on as we try to discover some common pitf... Read >
Author: Christopher12th March 2007
When it comes to setting foot on the property ladder, many people are finding it increasingly difficult to overcome initial challenges. The process of acquiring property is certainly intricate enough on its own; but when it comes to high interest rates an... Read >
Author: Andrew Regan06th March 2007
So the thought may have occurred to purchase yourself a second home to use as an investment property. Good choice. Real estate is making people great amounts of money so why not grab a hold of your chunk of the pie right? Do be careful however because thi... Read >
Author: Rick & Jennifer LeForce06th March 2007
The recent stock market falls are a worry as they decrease wealth and liquidity in the economy with property prices falling they could fall further
There are however solutions that allow anyone in investment property to protect themselves against fall... Read >
Author: kelly price27th February 2007
The thought of actually owning a home can sometimes intimidate and intoxicate first time buyers. Undoubtedly, the idea alone is exciting, but there are many legal procedures that have to be understood. Moreover, you have to find mortgage lenders and relia... Read >
Author: Clint Jhonson21st February 2007
Mortgages are traditionally taken out over 25 years, 30 years at a push – but house prices have got so high that many would be homeowners have found themselves completely unable to get on the property ladder.
Mortgage lenders have found a solution ... Read >
Author: michael challiner19th February 2007
There has been no secret made of the fact that UK house prices have risen over recent years, and many home owners have benefited significantly from this. The rise in home values has meant many people have been able to free up cash tied up in their proper... Read >
Author: Lee Unsworth13th February 2007
It’s increasingly difficult for young people to get on the first rung
of the property ladder alone, as property prices are rising much more
quickly than earnings. This is where parents can help. Just as
mortgages shared by friends are becoming more a... Read >
Author: Benedict Rohan08th February 2007
If you are tired of renting, and have good credit, why not buy a home? Most people spend years paying rent to a landlord when this money could very easily be paying a mortgage. Owning a home is easier than most people think, all it takes is some careful p... Read >
Author: RE Writer08th February 2007
One of the most unpleasant consequences of failing to pay your mortgage is "repossession" of your property. This is a problem that is affecting an increasing number of homeowners throughout the country.
The first notification will be from the lender w... Read >
Author: Christopher07th February 2007
As years go by, it seems to be getting more difficult for first time buyers to gain a foothold on the property ladder. In particular, young graduates and people on low incomes are finding it steadily harder to obtain a mortgage and buy their own propert... Read >
Author: martymac06th February 2007
Property prices for even the smallest apartments are beyond the reach
of many first time buyers nowadays. As a result, more and more people
are clubbing together with friends to share a mortgage and ownership of
a property. It’s a very good way to ge... Read >
Author: Benedict Rohan29th January 2007
Securing a mortgage loan for the first time can be a worrying experience.
You want to go it alone but your naturally concerned that a mortgage lender will take advantage of your lack of knowledge.
In spite of numerous rules and legislation it is still... Read >
Author: anupam27th December 2006
Recent surveys made by Alliance & Leicester prove that a quarter of people in the UK are considering the option of taking personal loans. If you are one of those people mulling over this decision then maybe this article can help you make up your mind. The... Read >
Author: Anaya Erika18th December 2006
When my wife and I discovered that she was pregnant we became frantic. Where we lived at the time wasn't exactly the size required for a young family! We needed a starter home; a place for our child to grow up. We wanted to buy somewhere that wasn't too b... Read >
Author: Derek Rogers13th December 2006
Abbey, Britain's second largest home loan provider, came under fire at the beginning of November 2006 after it announced its intention to offer borrowers mortgages for up to five times their salary in order to help them gain a foothold on the property l... Read >
Author: martymac21st November 2006
Possessing your own home is the biggest American dream. When you’re manically cleaning the lounge room in time for your next rent inspection, having to put up with your landlord’s love of lime green rug and generally stuck in a rent rut, it can seem l... Read >
Author: Bruce Taylor17th November 2006
If you have a bad credit score and need a mortgage to buy a house then bad credit mortgages com as an excellent choice. A bad credit mortgage is specially designed for people with poor credit ratings.
As a bad credit mortgage is exclusively meant for p... Read >
Author: Philip Mould17th November 2006
When is it the right time to buy?
In my last article I addressed the issue of when is it the right time to sell and came to the conclusion that, what ever reason you might have to sell, there is not really a right time to sell. Of importance is that yo... Read >
Author: Anelize Hendrikz16th November 2006
Property prices on the Mediterranean island of Malta have risen again, and according to overseas property specialists Tribune Properties, there is no end in sight yet to any downturn in the market.
Recent government figures showed a sixteen per cent ... Read >
Author: Thomas Berten16th November 2006
The population of Britain is renowned across Europe as a nation of fanatical home owners. While members of other countries are content to rent their home rather than take on the burden of actual ownership and long-term financial debt, people in the UK se... Read >
Author: sam lowe06th October 2006
Are you looking for a mortgage that allows you to make underpayments, overpayments, borrow back overpayments or take payment holidays?
If you are positive in your answer to the above question then here is a mortgage available for you. The mortgage tha... Read >
Author: Philip Mould05th October 2006
For months, we were trigger-swipe happy, putting our groceries,
clothes, holidays and service charges on our credit cards.
We wanted mortgages, we took out loans, we watched Property
Ladder and What Not To Wear. Whether you were born middle
class,... Read >
Author: jupita fanklin04th October 2006
Property prices on the Mediterranean island of Malta have risen again, and according to overseas property specialists Tribune Properties, there is no end in sight yet to any downturn in the market.
Recent government figures showed a sixteen per cent ri... Read >
Author: Robert Palmer02nd October 2006
Apartments in South Africa make an ideal property investment for South Africans living abroad, says Scott Picken, MD of International Property Solutions.
"Apartments are ideal in many ways for South Africans living overseas to get on the property ladde... Read >
Author: Sean Walsh26th September 2006
HSBC, one of the largest banking and financial services organisations in the world provides a comprehensive range of financial services: personal financial services; commercial banking; corporate, investment banking and markets; private banking; and other... Read >
Author: Alison White21st August 2006
Are you a first time buyer? If yes then, you will have a lots of questions in your mind such as whether your should look for a bank, building society or a specialist lender? How much you need to borrow and how much will it cost? There are many mortgage le... Read >
Author: Philip Mould19th August 2006
Affordance
The biggest is whether the individual can afford to buy a property. Today a lot of younger people cannot afford to get onto the property ladder, thus in turn this will mean a greater number of people are renting property and a greater number... Read >
Author: Chris Courtis17th August 2006
The problem that most of the borrowers face while going to take out a mortgage is the type of mortgage they should choose. All types of mortgages including flexible mortgage have their own merits and demerits. Since mortgage is a long term financial commi... Read >
Author: Philip Mould16th August 2006
Many surveys have identified the lack of first-time buyers as the reason for the slowdown in prices as house prices have reached such a level that it is becoming increasingly difficult to get onto the property ladder.
Mortgage lenders are also becomin... Read >
Author: michael challiner08th August 2006
Would You Buy a House With a Stranger?
Gaining a foothold on the property ladder is becoming harder and harder for more and more people. The 'cost of housing sufferers' who receive the most attention are the young looking to buy their first house plu... Read >
Author: Simone Robinson07th August 2006
All the things you use, right from your clothes to the ringtone of your mobile phone, are personalised according to your need, taste, or personality. Then why not the mortgage that you want to take, should be customised as per your requirements? You have ... Read >
Author: Philip Mould05th August 2006
Since home purchase is a major monetary deal, many people in UK cannot afford to accomplish it without a mortgage. The mortgage market also responds to the need of homebuyer. By the side of traditional ones, nowadays, there are customised mortgages, cater... Read >
Author: jake nathan17th July 2006
Grandchildren to the Rescue in Equity Release Alternative
An 'asset' rich but 'cash' poor widow has turned to her grandson in a new take on the option of equity release.
Joan Simpson is an 84 year old widow who lives in a house worth close to 500 000... Read >
Author: Simone Robinson13th July 2006
Stepping onto the property ladder and buying a home for the first time can seem like a really daunting prospect. You need to get the decision right because getting a mortgage is perhaps the biggest financial commitment you will ever make. Despite this, ma... Read >
Author: Peter Kenny10th June 2006
You've moved in, you're paying your mortgage; you're ready to finally breathe outCongratulations! You are now a homeowner, and should be enjoying the change. Now you're firmly on the property ladder, you can start to make the most of your new status.
... Read >
Author: Joseph Kenny09th June 2006
From a cursory survey of websites and brochures, you'll see a myriad of different types of mortgage. The mortgages explored so far are a basic overview you'll find any amount of types some combining several features and with added incentives to tempt ... Read >
Author: Joseph Kenny06th June 2006
Getting a foothold on the property ladder is not easy particularly these days with property prices above the amount most people's salaries can cover.
Reports from the property market show that the age of first time buyers has increased in recent yea... Read >
Author: Joseph Kenny11th March 2006
For many of us the thought of taking that first step on to the property ladder is both exciting and daunting. Owning a home of your own for the first time is always exciting but estate agents and mortgage lenders will have to be dealt with, legal procedur... Read >
Author: Ashley Babbs05th March 2006
Mortgage lenders and property agencies have just released their latest figures for the UK housing market displaying some conflicting results but the overall mood from analysts appears to be one of optimism for improvements in housing market activity.
... Read >
Author: sam lowe08th February 2006
Copyright 2006 Michael Hanna
According to the Nationwide Building Society, the UK housing market has made a "strong start" in 2006, with the biggest rise in house prices for 18 months, rising by 1.4% in January. This was seen by the Nationwide as part... Read >
Author: michael hanna14th January 2006
The UK in recent years has seen a massive growth in the levels of personal debt and thanks to increases in secured loans corresponding to a strengthening of the housing market; it does not appear to be slowing down. Recent figures from Creditaction sho... Read >
Author: sam lowe01st November 2005
You don't have to be a Scrooge this Christmas to save money. Financial planning isn't the same as financial skimping and with just a little time spent on the internet, you can ensure you're getting the best deal on all of your personal finances, as well ... Read >
Author: Rachel Lane26th September 2005
Premature aging is spreading across the UK and is particularly prevalent amongst recent graduates in the UK who, upon leaving university, are plunged straight into fears about the property ladder, pensions and paying off their student debts. These young ... Read >
Author: Rachel Lane09th September 2005
For months, we were trigger-swipe happy, putting our groceries, clothes, holidays and service charges on our credit cards. We wanted mortgages, we took out loans, we watched Property Ladder and What Not To Wear. Whether you were born middle class, had m... Read >
Author: Rachel Lane24th August 2005
Buying your first house is always a difficult time. There are so many important decisions to make, and problems to be solved, which combine to make it one of the most stressful events that will occur in most people's lives.
Some of the most obvious... Read >
Author: Richard Vert
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