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The Chancellor of the Exchequer announced in the budget the launch of a new mortgage guarantee scheme, very similar to the Help to Buy Mortgage Guarantee Scheme which ran from 2013 to 2017. The intention is to encourage lenders to advance up to 95% of the agreed purchase price and so help those buyers who […]
Read MoreIntroduction This blog refers to the Help-to-Buy loan scheme as it applies in England. Separate versions of the scheme are available in Wales and Scotland.
Read MoreIntroduction A great deal has changed since my last blog on this topic in June this year. Many of the changes could have been predicted but some are surprising as the mortgage and housing markets returned to something like normal activity following the shutdown in the spring and early summer.
Read MoreThe saying: A week is a long time in politics is attributed to former labour Prime Minister Harold Wilson. It certainly feels as if a week or perhaps a month is a long time in the mortgage and housing markets and much has changed since my most recent blog of early May which was uploaded […]
Read MoreAfter the rollercoaster we saw in the markets in March and April, May was almost dull. Equity markets seem to have settled into trading ranges, albeit still volatile, moving up and down with newsflow but reflecting the ebb and flow of positive and negative economic and corporate news as the fight against the coronavirus continues. […]
Read MoreA number of things are already clear about changes to mortgage underwriting and processing as a consequence of the 23 March 2020 “lock down”.
Read MoreMost investors’ true investment horizons are far longer than the next few months. “Please fasten your seatbelt as we are encountering some turbulence,” is the unpleasant voice of the pilot’s warning during your flight (even if flying is becoming a distant memory). No matter how uncomfortable and violent the turbulence, no passenger seriously thinks of […]
Read MoreIntroduction Recent events determine that the subject of this month’s blog differs markedly from our usual content. Above all else is the need to listen to medical advice and so minimise the risk of becoming infected by the virus. Here at Michael Forward Financial Services Ltd, we are continuing to provide the usual level of […]
Read MoreIn this month’s blog, I look at insurance protection and emphasise the key role which such plans play in effective financial planning. Protection plans are normally issued by life assurance companies and typically do not provide a benefit at the end of the plan term. They are designed to pay out either a lump sum […]
Read MoreWhen Linda was buying her house her mortgage adviser recommended taking out a life insurance policy that included critical illness cover. When within a few years, completely out of the blue, Linda was diagnosed with bowel cancer, she was very thankful that she’d acted on this advice. “In August last year, I was diagnosed with […]
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