Mortgages & me
Bringing both explanation and humour (yes, it is possible) to an often perceived realm of boredom
Mortgages. Let’s not kid ourselves here. If you had the choice of having one or not then there would be no choice. However, the vast majority of us, Russian billionaires excluded, need them to fuel that much loved British tradition – homeownership. So, if we all accept that we need them, you may as well do something positive and get the best one for you. It is staggering how many people make sure they get value for money from every day items but do not manage their home loan properly - the savings far outweigh the difference between the best baked beans and the value ones.
So, this blog will attempt to look at the world of mortgages and the housing market and try to bring both explanation and humour (yes, it is possible), and spark some comment, to an oft perceived realm of boredom. Here goes…
Drew Wotherspoon
09/12/2011 by
Guest Blog, Alistair Hargreaves, Mortgage Consultant.
Is everything really going wrong? Looking at the response to the budget, especially around housing and you would certainly think so. Don’t get me wrong; it’s tough out there...
Categories: First time buyers, Fixed rate mortgages, Tracker mortgages
08/12/2011 by
TODAY'S MPC MEETING A SIDESHOW WITH ALL EYES ON THE ECB MEETING
• Eurozone crisis Summit will Determine the Fate of he Euro
Ray Boulger of leading independent mortgage adviser John Charcol comments on the news that the MPC...
Categories: Mortgages, Interest rates, House Prices, First time buyers, Remortgaging, Moving Home
25/11/2011 by
Following reports in the press that First Time Buyers aren’t aware of the return of High LTV’s (Loan To Value), we thought it worth making a bit of a splash about this. ...
Categories: Long term fixed rates, Tracker mortgages, Fixed rate mortgages, First time buyers, Mortgages, Interest rates
22/11/2011 by
HSBC’s recent claim that “81% of all best buys are provided by direct lenders” seems to have missed out on the vital point of it’s only a “Best Buy” if you can actually get it. If you can’t it might as well be on the moon. “How do...
Categories: Mortgages, Mortgage Lenders, Tracker mortgages, Fixed rate mortgages, First time buyers, Remortgaging, Moving Home, Home Mover, Buy to let
17/01/2011 by
Housebuilder Barratt has teamed up with Hitachi Capital to offer parents a new way of helping their children get on to the property ladder. ...
Categories: First time buyers, Mortgages
17/01/2011 by
A scheme to help first-time buyers in the Isle of Man has been so successful that the Department of Social Care is to ask Tynwald for an extra £2.8m. It will pay for financial assistance given to more than 120 people, within...
Categories: First time buyers, Mortgages
27/08/2008 by
Another of my not so mortgage savvy friends was wondering where on earth he should start his home ownership career when it comes to knowing what his mortgage options were. Like the good friend he is, he didn’t think that I would...
Categories: Mortgages, Interest rates, First time buyers
09/04/2008 by
We're still waiting on terms and conditions... but as ever with this, it’s unclear. For example, when I want to buy with my boyfriend, he's a First Time Buyer but I'm not, so will we be eligible?... I doubt it... I'll let you...
Categories: First time buyers
29/02/2008 by
Borrowers who took 100%-plus mortgages or 100% mortgages, who need to remortgage, may soon find that there are no deals available
Most will have accrued some equity to make it onto the few remaining 95% deals, and the lucky ones...
Categories: Mortgage Lenders, First time buyers
29/02/2008 by
Today Cheltenham and Gloucester and many other lenders are reducing their maximum LTV from 100% all the way down to 90%. (more listed below) ...
Categories: First time buyers, House Prices
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The blog postings on this site solely reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and neither John Charcol nor Drew Wotherspoon will accept liability for them.