A UK Personal Finance Blog – The result of direct exposure to the fallout of the financial crisis.

Income Multiples Reduced – Mortgages No Longer Affordable

Find in Mortgages October 20th, 2008 - 6,258 views

One of the key factors that contributed towards the current financial climate was people borrowing more than they could actually afford. Lenders were confident that house prices would continue to rise so if they had to repossess houses they would be OK. The property market was booming and it wouldn’t be a problem to sell […]

Stamp Duty Threshold of £175,000 Forcing House Prices Down

Find in Mortgages October 3rd, 2008 - 7,939 views

Whose idea was it to increase the Stamp Duty threshold in a vain attempt at ‘kick-starting’ the property slump? Whoever it was, did much thought, planning and assessing of the potential outcomes take place? Look at it from the eyes of a purchaser. If a house is seen on the market for £190,000 what is […]

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