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Archive for the Mortgages Category
Buying a House and Finding a Mortgage
31/07/2009 by bill.
Early signs of the fall in UK house prices bottoming out may encourage first time buyers to get on to the housing ladder provided they can find an affordable mortgage. Whether you are a first time buyer, remortgaging or looking for a buy to let mortgage, the best way to find the right mortgage is to consult a qualified mortgage adviser. We can put you in touch with an FSA qualified independent adviser. Click here for more.
We also offer information and advice for anyone buying a home and on how to save money on energy and other household bills.
Posted in buying a home, Household bills, Mortgages | Print | No Comments »
Mortgage Payment Protection Insurance From Columbus Direct
21/06/2009 by bill.
Columbus Direct believes in offering high quality, comprehensive Mortgage Payment Protection at low prices so you can ensure your home is protected should the worse happen and you are made unemployed or unable to work due to an accident or illness. And with their instant online quote coverage is easy to arrange.
Top 10 reasons why you should choose Columbus Direct:
* They GUARANTEE to beat new and existing like-for-like Mortgage Payment Protection Insurance quotes from banks and building societies (2)
* Cover from £1.76 per month (1)
* NO hidden admin fees, unlike other low-cost providers
* Unemployment benefit includes dismissal and probation period
* NO long excess periods
* Cover from £100 to £2,000 per month available
* Bereavement and Carer cover included
* Backache and stress cover
* Cover for dangerous occupations
* UK based call centres
Columbus have built their reputation as a company packaging the protection people want, and selling it to them directly, at the right price and when protecting an asset as dear to you as your home, you’ll want to deal with insurers that offer reassurance, professionalism and trust as standard.
Get a free quote today at Columbus Mortgage Protection
(1)Applicants must have a residential mortgage, be in full time employment for at least 6 consecutive months prior to the start date and be under 45 years of age. Offer available until 31st December 2008
(2) Per £100 of cover required, for accident or sickness only. Prices for unemployment are higher.
Posted in Payment protection insurance, Mortgages | Print | No Comments »
Mortgages for First Time Buyers
14/06/2009 by bill.
In a sign that it may become easier for first time buyers to find an affordable mortgage, the Britannia Building Society now has a mortgage offering 5.09% interest fixed for two years requiring a deposit of just 10%.
Click here for more information about selecting the right mortage.
Posted in First Time Home Buyers, Mortgages | Print | No Comments »
April House Prices Down 0.4% - Nationwide
30/04/2009 by bill.
According to the latest report from the Nationwide, the price of a typical house fell by 0.4% in April. This reverses some of the rise seen in March, but is in line with their expectations given the current economic conditions. April’s decline leaves the average price of a typical house down 15% from 12 months ago. The 3-month on 3-month rate of change, generally a smoother indicator of the short-term trend in prices, improved to -3.1% in April from -4.1% in March.
The Nationwide thinks that Budget measures announced by the Chancellor are unlikely to boost housing market, the scheme for government guarantees for new, high-quality residential mortgage backed securities are welcome and may help to boost the amount of mortgage credit available. However, since the availability of credit is only part of the reason why the housing market is in the doldrums it is unlikely to lead to a swift turnaround in its fortunes. Lenders have already indicated that the availability of credit is less of an issue than it has been, but at the same time expect that the demand for secured lending will fall further. Given the weakness of the economy and the expected further increase in unemployment this comes as no surprise.
Click here for more about house prices and buying a home
Posted in buying a home, Mortgages, House Prices | Print | No Comments »
Mortgage Lending Up
22/04/2009 by bill.
Gross mortgage lending was an estimated £11.5 billion in March, a 16% rise from £9.9 billion in February but a 52% decline from £24.2 billion in March 2008, according to new data from the Council of Mortgage Lenders.
The CML says that, while the market is beginning to show some signs of stabilising, housing transactions and lending are set to remain low for the foreseeable future.
The data may support those commentators who are suggesting that there are some signs of the UK housing market improving.
Click here for more information about mortgages
Posted in Housing, Mortgages | Print | No Comments »
Bank of England Interest Rate Down to 0.5%
05/03/2009 by bill.
As widely expected the Bank of England today cut interest rates to 0.5%.
Savers not on fixed rate deals will see their returns fall especially if they stick with their existing bank or building society rather than looking for higher rate deals that are available.
See moneyjungle.net for advice on how to find the best savings account for you.
The banks have up to now not taken account of interest rate cuts in the rates charged for borrowing on personal loans or on credit cards. Again the advice must be to shop around for the best deals.
Posted in Loans, Credit and Debit Cards, Mortgages, Interest rates, Savings | Print | No Comments »
Mortgage Payment Problems
24/02/2009 by bill.
More and more home owners are finding difficulty keeping up with mortgage repayments especially when they face redundancy or sudden drop in earnings. Help is available for anyone who is facing difficulty worried keeping up with their mortgage repayments.
First of all do seek advice straight away, do not wait until it is too late. Start by contacting your mortgage lender - repossession should be a last resort and they will advise you on alternative payment arrangements that may be available.
Next you may wish to seek advice from the Citizens Advice Bureau. They also offer on-line advice on their website.
The government has also launched a number of assistance schemes.
If you are receiving income-related benefit such as Jobseeker’s Allowance You may be entitled to Support for Mortgage Interest as part of your benefit.
If you lose your job or suffer a drop in wages You may be able to get help from the Homeowner Mortgage Support Scheme.
If you are in serious difficulties and will become homeless if you are repossessed The Mortgage Rescue Scheme is for vulnerable families, like the elderly, disabled or those with children.
For more information about these schemes see the DirectGov website.
If you are looking for a mortgage see moneyjungle.net
Posted in Mortgages, Credit and Debt | Print | No Comments »
New Mortgage Rescue Scheme
16/01/2009 by bill.
The mortgage rescue scheme announced by the UK Government in late last year starts across England today.
The scheme is a new £200m package of measures designed to prevent families losing their homes and experiencing repossession. This scheme is aimed at those who would be eligible for homelessness assistance and is subject to a range of eligibility criteria. The Government claims that the £200m scheme will avoid up to 6,000 repossessions across England.
This scheme will not help those who are in negative equity. It is subject to a set of eligibility tests. Depending on individual circumstances, there are two possible options for those eligible:
Shared equity
Those who have an equity share in their homes and are facing a payment shock from remortgaging and/or higher living costs but likely to retain current income.
Government Mortgage to Rent
Those who are unable to meet lenders’ requirements eg those on unstable incomes. Those who are more suited to social tenancies
For more details see DirectGov.
moneyjungle.net has helpful information for anyone struggling with credit and debt
Posted in Housing, Mortgages, Credit and Debt | Print | No Comments »
Fewer Mortgage Deals Available
17/12/2008 by bill.
Most of the major lenders have cut the interest charged on their variable and tracker mortgages over the past few weeks, but first time buyers will find that many the number of mortgage deals available are much fewer than before interest rates started to fall.
We always recommend seeking expert advice in selecting the most appropriate mortgage for your circumstances and to identify the most affordable option for you. This is particularly important for first time buyers. Click here for more information about selecting a mortgage.
moneyjungle.net does not offer financial advice but we will connect you with an impartial, FSA qualified adviser.
Just complete this simple form and an adviser will call you back to discuss mortgage options tailored to your needs.
Posted in Mortgages | Print | No Comments »
Mortgage Rates Down
07/11/2008 by bill.
Some of the big mortgage lenders have cut their variable mortgage rates by 1.5% following the cut in the Bank of England Lending rate earlier this week.
Lloyds TSB, RBS/NatWest, Northern Rock, HBOS, Abbey and Nationwide have announced that they will pass the cut in full on to borrowers. A borrower with a £150,000 repayment mortgage will see their repayments fall by around £138 a month.
Anyone looking for a mortgage should compare available rates before applying for a mortgage or consult an independent mortgage broker. The moneyjungle mortgage finder facility can help you find an idependent FSA approved broker.
Posted in Mortgages, Interest rates | Print | No Comments »