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Home > Mortgages

Mortgages

Top Story

Mortgage Data| 15:20

First-time buyer fortunes improve in February

Demand is still vastly outweighing supply, and something needs to be done to aid this growing problem, trade body boss says.

From Regulation| Mar 27, 2015

FCA outlines 'second charge' mortgage approach

Regulator says vast majority of respondents were in favour of applying an interest rate stress tests to second charge mortgages.

From Your Industry| Mar 27, 2015

Adviser margins and UFPLS default: This week’s news

It has been a busy seven days, with the regulator publishing papers on an almost daily basis.

Mortgage Products| Mar 27, 2015

Rate cuts across high street lender two-year fixes

This week’s mortgage deal round-up only finds new offers from three lenders.

Mortgage Data| Mar 27, 2015

House prices keep on nudging 2007 peak: Land Registry

Average property value in England and Wales now sits at £180,252.

Mortgage Data| Mar 27, 2015

More evidence of cooling housing market: Nationwide

Economist warns there has only been a modest pickup in house building after the sharp fall seen in the wake of the financial crisis.

Mortgage Products| Mar 25, 2015

CML to look into home loans for older people

Trade body welcomes positive sounds from FCA over home loans for elderly

Analysis & Opinion
Lifetime mortgages are still in murky waters

Tony HazellonMortgage Products| Oct 29, 2014

Lifetime mortgages are still in murky waters

So someone with a perfectly good pension and bags of equity in their home is told they are not eligible for a mortgage.

But if, as some doomsayers are predicting, people take too much from their pensions, then equity release would seem to be the next obvious port of call

FTAdviser Blogon| Oct 09, 2014

Top of the market

All this is good news for those hoping to get onto the property ladder, but first-time buyers should not be rejoicing just yet.

Tony Hazellon| Sep 17, 2014

Does gov’t care enough to re-evaluate stamp duty?

My view is that stamp duty should be replaced with a more progressive tax.

Tony HazellonMortgage Products| Jan 22, 2014

High time to stop tax perks for BTL landlords

Private landlords have stoked house price inflation while making entry to the market difficult for first-time buyers.

More on Mortgages
Adviser Guides

Guide to Professional Mortgages

Qualified professionals could previously command more generous offers, but their advantage is waning.

Special Reports

Offset Mortgages - October 2014

Offset mortgages are more efficient in a low-interest-rate environment

FTAdviser Blog

The case for tougher regulation of buy-to-let

News review: Whatever way you look at it, the case for intervention stacks up.

Adviser Guides

Guide to Residential Interest-Only

An interest-only mortgage requires monthly payments that cover only the interest charged, but not the capital amount borrowed.

FTAdviser Blog

Unfairness at the heart of the mortgage market

News Review: First-time buyers and some existing borrowers are still getting the thin end of the wedge.

Adviser Guides

Guide to Mortgage Endowments and Interest-Only

Mortgage endowments were unusual among financial products.

FTAdviser Blog

Lenders’ equity release calculations don’t add up

So, are lenders really envisaging long-term negative property values?

More News

Mortgage Data| Mar 25, 2015

January house prices up year-on-year: ONS

More evidence has emerged that the housing market is slowing down following its rapid growth last year.

Mortgage Products| Mar 24, 2015

FCA urged to focus fresh reviews on ‘trapped’ borrowers

Regulator plans to launch responsible lending review next month, with competition assessment following in the autumn.

From Regulation| Mar 24, 2015

Where the FCA is spending £480m this year

One thematic review, five new market studies and countless other reviews will occupy the regulator’s time.

From Regulation| Mar 24, 2015

Adviser fears over pension advice as FCA sets out reviews

Business plan also sets out who will lead the two divisions created within the regulator.

Mortgage Products| Mar 20, 2015

Buy-to-let rate reductions show landlord lustre

Halifax and Lloyds both also cut homemover and first time buyer two-year fixed rates.

From Pensions| Mar 19, 2015

Fall in yields could batter buy-to-let pensioners

Advisers have generally reacted dismissively to people withdrawing from their pot to invest in property.

More on FTAdviser
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