Financial News
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Property Archive
 Lenders drawing their horns in
 Ever since the ‘credit crunch’ started in the United States, there have been knock-on effects un the UK and beyond. These have not just affected mortgage lenders, but other investment institutions Read more
 The Home Information Pack proposition
Your questions answered
Q: What is a Home Information Pack (HIP)? A: A HIP is a collection of information about a property prepared by the owners for prospective buyers. The five compulsory documents are Read more
 Government's HIP scheme extended
Compulsory pack now rolled out for all properties
If you are selling a property of any size in England and Wales you will now have to provide prospective buyers with a home information pack (HIP), although a new-build property can still be sold without a HIP until April 6 of this year. Read more
 Mortgages post Northern Rock
For most parents planning to cover the cost of independent education for their children, it is probably unfair to talk about “pre” and “post” Northern Rock. The real problems started in the US sub-prime market which, in its striving for rapid growth, offered money in areas where the risk of default was higher than average. Read more
 As safe as houses?
According to Halifax, the average price of houses in the UK fell by 0.6% during September; and the annual rate of growth has been bumping along between 8% and 11.4% for the past year. So are “bricks and mortar” the safe investment some appear to think? Parents may wish to consider their asset spread carefully. Read more
 Getting on the Housing Ladder
Recent research from the Royal Institute of Chartered Surveyors suggests that during the Blair decade, it has become almost three and a half times as difficult for young people to get onto the housing ladder. This means that parents of school aged children need to start thinking about strategies that can help them prepare for the “inevitable” plea for help later. Read more
 Your home is at risk …
… if you do not keep up the repayments on your mortgage. A statement that is reinforced by news from the Council of Mortgage Lenders that the number of repossessions rose by almost a third to 14,000 during the first half of 2007, compared with the same period in 2006. Read more
 Remortgaging
The basic rules that could save you thousands
Remortgaging your home can save hundreds, if not thousands of pounds over the term of your mortgage Read more
 Property developer profits spared
Controversial levy may now be scrapped
The Prime Minister Gordon Brown recently confirmed that a controversial levy that would have seen property developer profits taxed by the government may now be scrapped. Read more
 Landlords who fail to declare investment earnings will face new initiative
Honesty is the best policy
The Government recently announced that it is turning its attention towards buy-to-let landlords who fail to declare earnings from their property investment. Read more
 Stamp duty land tax
Know the facts
Stamp Duty Land Tax (SDLT) is the tax you pay when you buy property Read more
 House purchase plans
Innovative employer’s help staff get on the property ladder
Employers are coming to the rescue of their cash-strapped graduate recruits by introducing new schemes Read more
 Return to a buyers market
Increased market supply as sellers look to realise gains
Property commentators are predicting a return to a buyers’ market following recent interest rate rises Read more
 Fixed rate mortgages
Your questions answered
The interest payable on a fixed-rate mortgage is guaranteed not to change for a specified period Read more
 Financing long term lending
Fixed-rate mortgages to bring more stability to the housing market!
Government proposals to help banks to finance long term lending will only cut the cost of 25-year Read more
 First-time buyers
15 year high in proportion to income spent on mortgage interest payments
First-time buyers are spending a higher proportion of their income on mortgage interest payments Read more
 Buy-to-let
Some investors don’t plan to fail but they do fail to plan
If you are considering entering the buy-to-let market - planning is the key. Here are some of the key points to consider Read more
 Highest base rate in over six years
Are you exposed to the elements?
Thousands of borrowers who have been enjoying the shelter and certainty of a short-term fixed rate Read more
 Eco-towns…
The government recognises the first official zero-carbon home
Plans to create eco-towns across the UK have moved a step closer as the government recognised Read more
 Buy-to-let…
Lending on the increase by almost 50% on last year
The number of mortgages taken out by landlords shot up by almost 50 per cent last year. Read more
 New housing agency…
Objectives to locate surplus public land and the development of brownfield sites
Gordon Brown’s plan to build new homes at a rate of 240,000 per year by 2016, has been attacked by some leading economists as lacking ambition. Read more
 Funding your investment…
The points to consider
Buy-to-let mortgages have become much more competitive in recent years. Now you almost have the same choice available as you have with ordinary mortgages. Read more
 Drop in rate of growth for recent house building…
New targets could still leave a shortfall
Gordon Brown has been accused of “spin”... Read more
 3 million additional houses pledged…
Housing now at the top of the political agenda!
Gordon Brown has pledged to build 3 million additional houses by 2020.Unveiling a blueprint for his first year in power, the prime minister has put housing at the top of the political agenda Read more
 Buy-to-let
Parents eager to give their children a foothold on the property ladder are among the biggest factors fuelling the buy-to-let boom, according to latest research. Read more
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