Property Prices up – Property Prices down

Posted on 21/09/2007 by Peter Clarke

Through the day we get updates and press releases from property finance publications and various trade bodies.
On Tuesday (18th September) The Building Societies Association (BSA) reported “unwavering consumer confidence” within the housing market.
They went on to explain that their report is the first look at the public’s view on residential property purchases. Unsurprisingly the report found that most people (88%) were buying a property because they wanted to own their own home (duh!). The headline from the report was that the housing market is in good shape.

The Growing Threat of Repossessions

Posted on 04/09/2007 by Peter Clarke

It is a fact of life that one person’s misfortune can be another persons opportunity, so any discussion about property finance has to include a quick consideration for what happens when things go wrong.

Adverse Credit and Mortgages

Posted on 02/08/2007 by Peter Clarke

unregulated been a lot of talk in the press about homeowners applying for mortgages with “[tags[adverse credit[/tags]“. The popular press tends to concentrate on the problems this causes for for the applicant, but the issue of adverse credit applications creates problems for brokers and lenders too.

Secured Loans – Time to Regulate

Posted on 01/08/2007 by Peter Clarke

During a recent speech the outgoing chief executive of the Financial Services Authority (FSA) publicly stated that he would like to see secured loans come within the regulatory umbrella of the FSA’s control.

Buy to Let Blues

Posted on 20/06/2007 by Peter Clarke

The succession of recent interest rate rises is starting to have an impact on the [tag]buy to let[/tag] market. The inevitable consequence of this is that some lenders are tightening their criteria for new borrowers. This means that unless a new entrant to the buy to let market can come up with a large deposit they are going to find problems balancing their rental incomes against higher loan to value mortgages. row of buy to let houses.jpg

Bridging Loans Explained

Posted on 11/06/2007 by Peter Clarke

Bridging loans can be used for almost any purpose so long as there is enough equity in the property. The UK Bridging Loan market is estimated to be worth £2.5 billion and the demand for bridging loans is believed to be growing by 25% year on year. Bridging finance can be made available for many purposes, the obvious one being to bridge the gap between the purchase of a new property and the sale of an existing property.

Read more on Bridging Loans Explained…

The Public Face of Bridging Finance

Posted on 06/06/2007 by Peter Clarke

The [tag]Bridging Finance[/tag] market is reported to be currently worth about £2 billion per year, which would make it a significant part of the UK property finance market. Despite its size the [tag]Bridging[/tag] market is surprisingly under represented in the mainstream media.

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