How important is the housing market to UK plc? The short answer is ‘very’.
When the downturn hit and the number of mortgage products dramatically reduced, brokers spoke of the difficulties they had in finding the right product for their clients.
I have always had an interest in how properties are built and that’s what led me to a career in surveying.
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The Chancellor’s decision to radically alter the way in which pension lump sums can be taken has been given a generally favourable welcome.
While the demand for mortgages is still increasing there is growing uncertainty among borrowers due to the headlines in the mainstream media.
The Bank of England’s assessment that mortgage lending poses no immediate threat to financial stability has come as music to the ears of the market after rumours of a crackdown that could have thrown the recovery into reverse.
Recently released statistics from Knight Frank and the RICS have dismissed the notion of a UK housing bubble.
It’s been an interesting month in the buy-to-let sector with a host of lenders making quite significant criteria changes.
The announcement by the FPC recently of its additional measures to cap loan-to-income multiples and to impose a 3% increase in rates on the stress testing calculations seems a little premature as I do not believe that we have yet seen the full effects of the MMR.
The Bank of England's deputy governor for financial stability Sir Jon Cunliffe reportedly said that the Financial Policy Committee has two main things to do.
It is common knowledge that for many years now, lenders have been paying the providers of mortgage sourcing systems to display their products.
There appears to be a number of misconceptions about bridging lending and one of them is that it is extremely risky lending. It is an incorrect assumption that bridging finance is high risk.
The great Base Rate rise debate continues as if the phrase ‘forward guidance’ was never uttered by the governor of the Bank of England.
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