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…
17/05/2013 by
The Building Societies Association (BSA) has revealed that mutual lenders increased their mortgage lending by 19% year-on-year, in the first three months of 2013, from £6.5billion to £7.7billion. ...
Categories: Mortgages, Buy to let, Mortgage Lenders, Interest rates, Remortgaging, Moving Home, Commercial, Home Mover
18/02/2013 by
John Charcol's senior technical manager Ray Boulger was part of the team of experts on BBC Money Box Live on mortgages recently. You can listen to what he had to say about low interest rates, charges, first time buyers and a host...
Categories: Interest rates, Buy to let, Commercial, Moving Home, Remortgaging
01/02/2013 by
The Bank Of England’s Funding For Lending scheme (FLS) has been hailed by many as the saviour of the mortgage market, however there are an increasing number of critics claiming that once again it’s the banks that are the biggest...
Categories: Moving Home, Home Mover
19/11/2012 by
A broker has just claimed that last month they saw the largest take up of two year fixed rates so far this year, mainly on the back of lenders raising their Standard Variable Rates (SVR) over the past few months! Not an earth...
Categories: Mortgages, Interest rates, Mortgage Lenders, Long term fixed rates, Fixed rate mortgages, First time buyers, Remortgaging, Moving Home, Home Mover
17/10/2012 by
Nationwide’s decision to cease all new interest only lending, and only allow existing borrowers to take additional funds on a repayment basis, is the latest example of lenders (predominantly the larger high street ones) trying to...
Categories: Mortgages, Interest rates, Mortgage Lenders, Remortgaging, Moving Home, Home Mover
31/07/2012 by
In what is fast becoming a mortgage war, NatWest has entered the arena with s rate of 2.95% for its 5 year fixed rate. See what Ray Boulger had to say to the media about it here.
Categories: Mortgages, Buy to let, Remortgaging, Moving Home
02/07/2012 by
John Charcol has been selected by the UK's newest, and some would say brightest, lender in the market. Their transparent and excellent priced mortgages are a breath of fresh air. To find out more, take a look at the press...
Categories: First time buyers, Remortgaging, Moving Home, Buy to let
31/05/2012 by
John Charcol can’t claim to have been providing mortgage advice over the whole of the last 60 years but, having been formed in 1974, we believe that John Charcol is the longest established mortgage broker in the UK.
House Price...
Categories: Commercial, Home Mover, Moving Home
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
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
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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.