Good mortgage advice will make the mortgage market a safer place to be for consumers, even if that means encouraging homebuyers to be a little more ‘rational’ with regard to what they can afford, according to the Financial Services Authority (FSA).
Posts Tagged ‘Investment Bond’
Hard sell on mortgages from estate agents costs homebuyers thousands
Tuesday, December 1st, 2009One-tenth of homebuyers in the UK who purchased their home from an estate agent felt pressured into arranging their mortgage via the estate agent as well, according to newly-published data from the Office of Fair Trading (OFT)*.
While mortgage referrals earn lucrative commissions for estate agents, their in-house mortgage advisers typically deal with a limited panel of selected mortgage lenders.
Whole of market mortgage advice more essential than ever
Tuesday, November 24th, 2009
The need to take whole of market mortgage advice with access to all mortgage products on the market has been emphasised yet again this month.
Now is the time for first time mortgage buyers
Friday, November 20th, 2009Lenders are taking action to boost the home mortgage market for first time buyers, in order to maintain the current level of house purchases when the stamp duty exemption is cut back in January.
Financial advisers can now offer 85% and even 90% mortgages that will make homebuying easier for first-timers who could not afford the 25% mortgage deposits required to access the best deals over the past year.
Home buyers! Act now to avoid stamp duty
Friday, November 6th, 2009Mortgage-seekers and first time buyers looking at a property worth up to £175,000 should act immediately to avoid stamp duty under the current government exemption. While properties valued up to £175,000 are not subject to stamp duty at the moment, the threshold is to be revised and possibly cut on 1st January 2010, as a cash-strapped Chancellor of [...]
‘Recession-proof’ yourself with correct insurances
Wednesday, November 4th, 2009The Association of British Insurers has called on consumers to protect themselves and their families from sudden loss of income by ensuring they have a well-designed suite of personal insurance products in place. In its new document ‘People Need Financial Protection’, the ABI refers to the current ‘uncertain economic outlook’ and warns consumers against ‘a sudden [...]
What is your mortgage affordability rating?
Thursday, July 23rd, 2009In approving a mortgage offer to a homebuyer these days, lenders decide the amount of finance on offer based on a number of factors. One of the most crucial is the mortgage lender’s view of how much the applicants can comfortably afford to repay. This assessment in turn reveals the ‘affordability’ of the mortgage repayment that the applicant has asked for. If [...]
Investment bonds for growth or bond for income
Monday, May 25th, 2009Investment bonds have become much more popular in recent months as a vehicle for growth or income. With the decrease in interest rates and the decrease in income for many savers and investors, investment bonds have become a more popular investment vehicle for many. The ability to take a 5% income as a capital withdrawal [...]
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