Mortgage Articles
1: Third quarter boost for buy to let market
Data released from trade association the Council of Mortgage Lenders (CML) this month shows that the number of buy to let loans going through has increased from 21,600 to 23,700. Additionally, gross
2: Mortgage Brokers in Australia
Mortgage brokers in Australia do more than just sell you loans for your homes. Instead, if you sit down with reputable brokers, you can do everything from sort out your finances to figure out your ref
3: Interest Rates Held Steady
What the stagnant Base Rate means for you and your mortgage
The Bank of England has just announced that interest rates will be held at 0.5%.
This is the seventh month in a row the Bank has opted to m
4: Why Would You Use A Mortgage Broker?
With the global economy in a current recession, mortgage rates have been at all time lows. Many people get a little confused when they start looking for a lender about the differences between a mortga
5: The mortgage deals that aren't as good as they look
Lenders have been busy in recent weeks trying to tempt borrowers back into the market. Mouth-watering rates of less than 2% have been launched by two high street banks, HSBC and Barclays-owned, Woolwi
6: Summer Positivity in the UK Housing Market
As unsurprising reports surface of the Bank of England announcing that the Base Rate will stay at 0.5 percent for the foreseeable future (and, no doubt, into 2010), there has been more data released a
7: Mortgage Rates Stay Down
There were some expectations that mortgage rates would fall this week. Instead rates not only did not rise but fell slightly this week. The 30 year rate fell from 5.08 to 5.07 hitting a new low for
8: Mortgage Rates Fall Again : Lowest Point Since May
Mortgage rates fell again this week reaching a 3 month low. The 30 year mortgage rate is now lower than it was 6 months ago. It's interesting to note that rates are lower than they were ago months
9: Mortgage Rates Holding Steady
For the most part mortgage rates held steady this week after dropping sharply last week. The 30 year rate rose slightly from 5.12 to 5.14 after dropping from 5.29 the week before. The 15 year rate r
10: When Rates Start to Rise
If you're a homeowner on a tracker mortgage, you'll be feeling pretty pleased with yourself right now.
The Bank of England's Monetary Policy Committee has slashed the base rate from 5% in October to
11: No Need to get Negative About Negative Equity
Getting into negative equity is a homeowners' nightmare - one which, unfortunately, more and more people are now suffering.
The January 2009 figures from the Halifax House Price Index show the value
12: Guide to Mortgage Life Assurance
Mortgage life assurance is a life insurance policy which pays off any outstanding mortgage debt if the holder dies. It is a decreasing term policy, which means the sum you're insured for reduces in li
13: Mortgage Rates and the Economy
Mortgage rates fell this week to the lowest point since May 28, 2009. Whether May 28, 2009 is the summer is open to some debate. The summer solstice usually is considered the technical beginning of
14: Home Loans Mortgage Broker
Though you might notice it is complicated to personally find cheap home loans to stay within the means of your budget, a respectable mortgage broker can do this for you. Brokers can be the answer to
15: Call for FSA to regulate buy to let as tenant demand strengthens
July has seen two lots of property industry research published. Data from mortgage providers, Paragon, showed that yields in the private rented sector have increased during the second quarter of the
16: Are Mortgage Rates Primed To Rise
Mortgage rates rose again this week. This is the third time in the last 4 weeks that mortgage rates have risen. Why are mortgage rates rising? There are numerous factors at play but generally once
17: Mortgage Fraud at All-Time High
From sea to shining sea, lenders struggle with costly mortgage fraud. Although, the fraud itself is not new, a recent FBI report reveals that the numbers are mounting and the methods used by scammers
18: Mortgage Rates Stay Even
The saying "No news is good news" might be applicable with the recent trend with mortgage rates. For the last 2 or 3 weeks for the most part rates have stayed pretty much unchanged. The reason why t
19: Mortgage Rates Start to Trend Upward Again
Although we are not seeing too much movement it looks like mortgage rates are starting to trend upward. It's interesting to note that the stock market had its strongest July in several years. Once t
20: The 5 Year ARM Hits A Low For The Year
The 5 Year arm dropped from 4.83 to 4.74 this week reaching a low for the year. What is interesting is that we have moved back to a normal state when comparing the 4 major mortgage products to each o
21: Mortgage Rates Still Continue to Fall
Mortgage rates continue to fall this week. The 30 year rate fell from 5.32 to 5.20. While this is not lower than the rates we saw a few months ago this is lower than any recorded rate before the sta
22: A Guide to Mortgage Payment Protection Insurance
Mortgage Payment Protection Insurance (MPPI) covers your mortgage interest payments if you're unable to work due to an accident or illness, or if you lose your job. It can also reduce the risk of your
23: Sell Rent Back Gains Favour for Equity Release
Until recently, apart from actually selling your house, there were few ways of releasing the equity you had accumulated in your home. Schemes were available only to people aged over 55 and these were
24: Mortgage Rates Fall For the Fourth Week in a Row
The 30 year mortgage rate fell from 5.32 to 5.20 this week. This marks the fourth week in a row where the 30 year rate has fallen. The rate is not at the all time lows we saw earlier this year. To
25: Low Prices for Landlords: but not everyone is confident about the buy to let market
With house prices widely reported to be the lowest they are likely to get, research by the Association of Rental Letting Agents (ARLA) showing the increase in activity amongst landlords is not particu
26: Mortgage Rates Fall Again
Mortgage Rates fell this week with the 30 year rate dropping from 5.42 to 5.32. They have fallen .27 points from their recent high of 5.59 reached on June 11, 2009. Rates are still up from the all t
27: After Falling Mortgage Rates Hold Steady
After falling from 5.59 to 5.38 the previous week it looks like mortgage rates for the most part held steady this week. Of the four major mortgage products two fell and two rose. But for all four th
28: Mortgage Math : Financial Advice in an Uncertain Economy
The national savings rate is up to a 15-year high and more Americans are getting serious about getting out of debt, rather than spending beyond their means. When staring down a pile of debt that incl
29: After 2 Weeks of Large Increase Mortgage Rates Fall Again
So for the previous two weeks we saw sizable gains in mortgage rates. Between May 28th and June 11th 30 year mortgage rates jumped from 4.91 to 5.59. This week we saw rates drop down to 5.38. Altho
30: Value Marketing for Mortgage Brokers
The mortgage industry has changed rapidly in the last six months. It was easy to get clients last year and especially the year before, but because of the media hype about the economy, everyone is too
31: Take a Holiday from your Mortgage with Help
What is a mortgage payment holiday?
Many of today's mortgages come with a feature known as a mortgage payment holiday. This allows the borrower to, on occasion, delay making a mortgage payment for a
32: Guide to Stamp Duty
This year's Budget contained some good news for first-time buyers and homemovers. The Government has extended its stamp duty holiday on properties costing up to £175,000 until the end of 2009.
T
33: Has the Mortgage Freeze Started to Thaw?
First-time buyers have faced a conundrum over the last couple of years. After years of house prices spiralling out of reach of the average first-time buyer, they have finally fallen.
But in a cruel
34: Mortgage Rates Skyrocket
In addition to rates we like to look at mortgage payments. Using a mortgage calculator we took rates from this week and translated them into a mortgage payment for a 200k loan. We also did the same
35: Buying a holiday home
Remember however that not all lenders will advance a mortgage to buy a second (or holiday) home, and that in any event you will have to show that you can afford not just this mortgage but any other th
36: Patriotic Refinancing
Offering a silver lining to the cloudy economy, President Obama encouraged Americans to take advantage of the lowest mortgage rates on record by refinancing their homes. According to the Associated P
37: Mortgage Rates Spike Up Rapidly
Mortgage Rates spiked up this week. The 30 year rate jumped from 4.91 to 5.29. This is the highest we have seen mortgage rates all year. Last week mortgage rates moved from 4.82 to 4.91 last week.
38: SVR -v- Fixed Rate Mortgages - Is it Time to Switch?
If you're currently better off thanks to your mortgage provider's low standard variable rate (SVR), you probably won't be considering a switch to a new mortgage deal. However, with fixed rate deals cu
39: Guide to Equity Release
Very simply, equity release is a scheme that allows elderly homeowners to free up some or all of the value (the equity) tied up in their place of residence. Despite their indisputable popularity, the
40: Loan Modification (For those still current with their payments)
These days, loan modification is a popular topic. Everyone is talking about loan modification programs and most are interested to find out if loan modification is a possibility for them.
Are you wo
41: Mortgage Rates Hover Near All Time Lows
There was not much movement in most of the major mortgage products this week. The 30 year rate dropped from 4.86 to 4.82. This is only slightly above the 4.78 all time low that was reached a few wee
42: Mortgage Rates Start to Rise
Mortgage rates rose slightly this week. The lowest rates we have seen in the last 50 years came just 2 weeks ago when 30 year mortgage rates hit 4.78. Since then rates have risen slightly to 4.86.
43: Mortgage Rates Start to Move Up
After moving down for the last 3 weeks mortgage rates finally started to move up. The 30 year rate jumped from 4.78 (equaling the all time low) to 4.84. This is the highest the 30 year rate has been
44: Mortgage Rates Hit All Time Lows
The 30 year mortgage rate hit its all time low this week falling from 4.80 to 4.78. This matches the previous all time low that was reached just a few weeks ago on April 2, 2009. For the last month
45: Watching the Market Turn: Where UK landlords should really be looking
In February, those with their eye on the UK housing market would have noticed the confusing and conflicting data given by two of the leading house price indices, Halifax HPI and Nationwide HPI. At th
46: Mortgage Rates Teeter Just Above All Time Lows
Mortgage rates moved down slightly this week. Even though rates didn't move much this week we are still sitting just a hair above all time lows thanks to the drop from last week. This week the 30 ye
47: Change in the air for mortgage brokers?
Another fortnight into 2009 and there is a whiff of change in the air. However, for every good news item there is still a sad story of a business failing and more "For sale/let" signboards on the High
48: Are Offset Mortgages really worthwhile?
This question should be answered in the same way as most other questions about financial services products. When you understand what lies behind the label and realise what the product offers (i.e. jus
49: Mortgage Rates Fall: The 15 Year Mortgage Rate Hits All Time Low
Mortgage rates dropped this week from 4.87 to 4.82. They did not drop below the all time low of 4.78 that they hit two weeks ago. For the last month, for the most part, we have not seen a lot of mov
50: Mortgage Rates Rise After Hitting All Time Lows
Last week mortgage rates hit all time lows with the 30 year mortgage rate reaching 4.78. This week the 30 year rates moved up a little to 4.87. While this is a decent one week rise we are looking at
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