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Based upon my recent research there are seven lenders currently offering green mortgages. This number will grow, I suspect, because lenders will be keen to encourage borrowers either to purchase properties with improved energy performance characteristics or because they wish to encourage borrowers to improve older housing stock where such energy performance characteristics are worse. […]
Read MoreThere are some things you’ll want to bear in mind about passing on your pension to the people you care about most. Here are three tips for passing your pension on to your loved ones. Do you consider your pension an asset in the same way that you think about assets like property, bank accounts, […]
Read MoreIt is unlikely that 2020 will be remembered by any of us fondly. The COVID-19 pandemic has shaken up the world. Global economies have been hit and many people have been struggling, whether that is health, job losses, mental wellbeing. However, one of the very few ‘up-sides’ has been that the standstill of air travel, […]
Read MoreThe 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 […]
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