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11
NOV
2015

Rate rise speculation fuels ‘unsettled’ mortgage rates

This article supports our mortgage rate trend data, where after a sustained period of rate reductions, average mortgage rates have made tiny movements up and down over the past few months. Read more…
03
NOV
2015

Mortgage News & Information – November 2015

Published and distributed my regular mortgage newsletter today. This issue’s focus is on articles supporting the need to use a mortgage broker, market news and lender updates. If you did not receive a copy, it can be viewed here – November 2015 Newsletter You can subscribe for...
03
NOV
2015

Help-to-buy: ISA – Details Announced

The Treasury has announced details of the new Help-to-buy ISA. Barclays, Lloyds Banking Group, Nationwide, NatWest, Santander, and Virgin Money will be offering Help to Buy: ISAs from 1 December. Savers will be able to put away up to £200 a month in the Help to Buy: ISA that the...
02
NOV
2015

Accord reduces buy-to-let rates

Accord Buy to Let has today reduced the rates across its 75% LTV range by up to 0.35%. This would get them into our group of best-buys, on an overall cost basis. Read more…
27
OCT
2015

Equity release sees biggest quarterly rise for 11 years

Figures just released by the Equity Release Council show a significant increase in demand for Lifetime mortgages. Lifetime Mortgages provide an opportunity for over 55’s to tap into their housing wealth and release funds for pretty much any legal purpose. For example, they...
15
OCT
2015

Mortgage accessibility issues continue for First-time-buyers

Many adults remain concerned about their ability to obtain a mortgage according to research undertaken by Precise Mortgages. Read more…
07
OCT
2015

How well do you understand mortgages?

A survey by the University of Nottingham has revealed a general lack of knowledge about  basic mortgage facts. A good reason to consult a mortgage broker that you can trust.   Read more…
05
OCT
2015

Is it worth using a mortgage broker?

Now there are more than 15,000 mortgage schemes available, this article from the Daily Mail explains the benefits of using a mortgage broker and what you should expect from us. Read more..
30
SEP
2015

Mortgage News & Information – October 2015

Published and distributed my regular mortgage newsletter today. This issue’s focus is on the growth of mortgage activity and re-mortgaging, as well as market updates. If you did not receive a copy, it can be viewed here – October 2015 Newsletter You can subscribe for...
25
SEP
2015

Bank of England expresses concerns over buy-to-let boom

The growth of the buy-to-let market is causing the Bank of England some concern. There has been a 40% increase on buy-to-let lending since 2008. The Bank said “….the sector could pose risks to broader financial stability, both through credit risk to banks and the...
21
SEP
2015

New mortgage rules leave two thirds in the dark

New research by Ocean Finance has found that the new mortgage rules, which were introduced last year, have left two-thirds of potential house buyers in the dark. Some 31% of people who plan to buy a property within the next two years are unaware that mortgage rules were...
18
SEP
2015

Is it time to review your mortgage?

Autumn is traditionally a busy time for the mortgage market, as homeowners and property buyers return from their summer holidays. Last year, gross mortgage lending reached £18.6 billion in October, the second highest level of the entire year. This year may be even busier as a...
17
SEP
2015

Britain is facing a £173bn debt time bomb

Households are sitting on a £173billion debt time bomb after being lured into a spending splurge by banks and credit card companies. Read more…
16
SEP
2015

Lenders are re-introducing low-deposit mortgages

Some major UK lenders have returned to selling mortgages to homebuyers only able to offer a small deposit. Read more…
14
SEP
2015

Nationwide announces new range of 95% LTV deals

Nationwide is set to launch a range of standard 95 per cent LTV mortgages – its first outside of a scheme since 2008. The range starts at 3.99 per cent and is available through brokers as well as branches.
14
SEP
2015

Natwest reintroducing interest-only mortgages

NatWest Intermediary Solutions will be reintroducing residential interest only mortgages for new business from Monday 21 September, and will also be reintroduced to NatWest’s retail channels. Read more…
11
SEP
2015

Mortgage News & Information – September 2015

Published and distributed my regular mortgage newsletter today. This issue’s focus is on interest-only mortgages and home insurance savings, as well as market updates. If you did not receive a copy, it can be viewed online by clicking here . You can also subscribe for...
09
SEP
2015

Home Insurance

  Until recently I have not been in a position to recommend buildings and contents insurance to my clients. This is because the complexities of the policies in the market make it difficult to carry out an accurate comparison across products. However, the arrival of a new...
05
SEP
2015

The rush to remortgage

What does this show? The chart shows the latest data up to July from the British Bankers’ Association on lending for house purchases, remortgaging and other secured lending. It reinforces the picture of a strongly rising mortgage market, with particularly lively activity in the...
05
SEP
2015

Nearly one million ‘face difficulties’ with interest-only mortgages

Nearly a million homeowners have no way of paying off their mortgages because they opted for interest-only loans, according to Citizens Advice. Read more..
  • YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
    Whilst MortgageAbility does not charge for mortgage advice, please note that there will be an administration fee for arranging mortgages. The precise amount will depend upon your circumstances but we estimate it will be £395, payable on completion. MortgageAbility gives you the option to pay a non-refundable fee of 1% of the mortgage loan payable with the application. If this option is taken, MortgageAbility will refund any commission received from the lender.