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Latest News
Long term negative equity possible, reports North London Mortgage Advisers, London Mortgage Advice
According to new figures out recently, mortgage holders who bought at the height of the property boom face another four years of negative equity before they recover what they paid.
Borrowers who bought a property at the height of the market will have to wait until 2014 before the price of their home is higher than the value of their mortgage, The National Housing Federation (NHF) has claimed.
On average people who bought a home pai £216,800 for a property in 2007, the NHF said.
And these homebuyers will have to wait until 2014 for a recovery, when average prices will reach £226,900.
... read more
Surge in 10 fixed rate mortgages, reports North London Mortgage Brokers, London Mortgage Advice
In the three months from April to June 2010, interest in 10-year fixed rates surged, with
the number of internet searches for fixed rate mortgages ballooning by 888%.
This is evidence of a growing desire among mortgage borrowers to secure the interest rate they are paying before the Bank Base Rate rises from its current historic low of 0.5%. This is according to credit reference agency Experian’s data
Over the internet searches for ‘fixed rate mortgages 5 years’ rose by 602% compared to a year ago, while on line searches for ‘tracker mortgages’ only saw an increase of 16%.
The conc... read more
Mortgage more affordable says Halifax, reports London Mortgages brokers, London Mortgages Advices
According to research carried out by Halifax mortgages are now twice as affordable as 2007.
They say that when compared to the peak of 2007t average mortgage is twice as affordable for borrowers today.
The research looked at lower house prices and record low interest rates. This meant that that the typical mortgage payment for a new buyer is now nearly half what it was three years ago.
Compared to 50% in June 2007, average monthly mortgage repayments in June 2010 accounted for 28% of disposable income.
An additional reason for this is that since the Stamp Duty threshold for fir... read more
Mortgages still restricted, reports brokers in North London, London Mortgage Advice
Lenders of mortgages continue to ration the size of their loans to home buyers and people remortgaging.
Says the financial information service Moneyfacts, the number of deals on offer has risen by 66% this year, from 1,414 in January to 2,351 now.
A downpayment of at least 25% of the value of the home being boughtfor 58% of the deals available.
Of all the mortgages currently on offer
the proportion requiring only a 10% deposit still stands at just 8%
Explained Michelle Slade of Moneyfacts.
"There has been no real movement in the overall number of new mortgages available on th... read more
Mortgage size has increased, reports London top mortgage broker, London Mortgage Advice
The size of the average homeloan requested by those looking to buy property in the rocketed by £45,000 in the month of July alone to £269,478, according to Leadbay, a company which puts mortgage borrowers in touch with advisers. The average size of a mortgage applied for in London and the South East has undergone a record leap.
Breaking the £200,000 barrier in the region for the first time, in the South East requested borrowing rose 21%,
Grant Stevens, managing director of Leadbay, warned that the increases are unsustainable, putting further downward pressure on prices
The only region to... read more
Rationing of Mortgages still with us reports London Mortgage Brokers, London Mortgage Advice
Mortgage lenders continue to apply stringent criteria. with borrowers still struggling to secure a mortgage without a large deposit.
The number of homeloans available has increased by two-thirds since the start of the year, rising from 1,414 products in January to 2,351 today calculates Moneyfacts, the financial data service.
But, 58% of today’s mortgage offers still demand a minimum deposit of 25% of the property’s value.
Accounting for just 8% of the mortgages on the market, more mortgage deals however are available at 90 % loan to value, requiring a 10% deposit.
Explained M... read more
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