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Home > Mortgages

Mortgages

Top Story

Mortgage Data| Dec 19, 2014

Stamp duty reform to boost house prices - and house builders

Around ten per cent of investors are looking to gain more exposure to house builders due to stamp duty’s overhaul.

Mortgage Data| Dec 19, 2014

Proc fee competition hots up as another lender hikes rates

The Nottingham follows Accord’s lead by raising procuration rates.

Mortgage Products| Dec 18, 2014

Accord increases proc fees

Increases to be applied on all completed new residential mortgage applications made on or after 1 January 2015.

Mortgage Data| Dec 18, 2014

Remortgaging bucks monthly downturn: Connells

Remortgaging valuation total for November up 10 per cent compared to October and by 3 per cent against last November.

Mortgage Data| Dec 18, 2014

Annual mortgage lending steady at £16.9bn: CML

Reforms in stamp duty may modestly boost activity in the short-term.

Mortgage Products| Dec 18, 2014

Skipton lowers three and five-year fixed rate mortgages

Building society has reduces rates on all current residential three and five-year fixes.

Mortgage Data| Dec 18, 2014

P2P lenders can sustain economic shock: research

First-ever published stress tests for a P2P lender claims it has a natural stability against economic shocks.

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 Residential Interest-Only

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

Special Reports

Offset Mortgages - October 2014

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

FTAdviser Blog

Lenders’ equity release calculations don’t add up

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

Adviser Guides

Guide to Mortgage Endowments and Interest-Only

Mortgage endowments were unusual among financial products.

FTAdviser Blog

It’s time the FCA enforced TCF principles

News Review: Laudable rules to prevent unintended consequences are being ignored by lenders.

Adviser Guides

Guide to Second Charge Mortgages

A popular alternative to remortgaging, a shake-up of the way this product is regulated is on the way.

FTAdviser Blog

I’m sticking by my ‘staggering ignorance’ on housing hubris

News Review: Confusion reigns over market statistics, but affordability issues for young buyers are irrefutable.

More News

Mortgage Data| Dec 17, 2014

One in six borrowing to meet mortgage payments

One in 12 people are in arrears on their mortgage or rent.

Mortgage Data| Dec 17, 2014

Scottish house prices recover from referendum fears

Biggest growth in the £1m+ price bracket, while stamp duty changes expected to boost demand lower down the chain.

Mortgage Data| Dec 16, 2014

CML predicts growth in lending over next two years

Industry body’s two year forecast sees transactions easing back modestly in 2015.

Mortgage Products| Dec 16, 2014

TMBC offers two buy-to-let deals with Skipton

Two-year fixed rates starting at 1.99 per cent with free valuation and free legals.

Mortgage Products| Dec 16, 2014

Santander launches 10-year fixed rate mortgage

Additionally, the bank has made some reductions to three and five-year fixes.

From Regulation| Dec 16, 2014

Co-op Bank fails Bank of England stress test

Five lenders are ready to withstand a crash, Bank’s stress test finds.

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