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

How to Use a Mortgage Calculator

Find in Mortgages February 20th, 2013 - 13,451 views

I’m not just talking about using a mortgage calculator to work out what the monthly payments will be but how to make use of a calculator that shows the ‘amortization’ or monthly & yearly breakdown of payments and balance as well as the difference an overpayment could make. Anybody who has any exposure to mortgages will […]

Thinking About Mortgages Again

Find in Mortgages December 6th, 2012 - 8,712 views

After several years skirting around the field of financial services I finally decided to obtain the necessary qualifications to provide mortgage advice, in 2007. Yep, I became a qualified mortgage adviser about 6 months before the industry collapsed. It was a fun time. Like many advisers, when the mortgage enquiries started to dry up, I […]

The Impending Doom of the Interest Only Mortgage

Find in Mortgages May 21st, 2012 - 9,274 views

Interest only mortgages first came to our attention alongside the infamous endowment policy (but that’s another story), but whilst endowments are no longer popular because of their poor returns and inflexible properties, interest only mortgages have remained a firm favourite with homeowners, mostly because it is cheaper to pay interest only instead of capital and […]

House Prices to Stay Flat for 10 Years! – Oh No!

Find in Mortgages May 10th, 2012 - 8,173 views

A bit of a shocker of a headline! House prices to stay flat for 10 years! That was the headline I read for an article I received today based on discussions from the BSA conference. I don’t know why I only received this today when the conference took place in April and I’m not sure […]

Mortgage News – From the Inside

Find in Mortgages April 30th, 2012 - 5,962 views

From the ashes of disaster grow the roses of success. The problem is the ground isn’t very fertile and nobody’s watering the bed. We’re in a recession again albeit more of an economy that is ‘bouncing along the bottom’ than a sharp drop and I don’t think the title ‘double dip’ is strictly accurate either. […]

UK First Time Buyers Given a Boost with a 95% LTV Product Launch

Find in Mortgages January 20th, 2012 - 6,969 views

This isn’t one of my own but a useful tidbit nonetheless. I have some thoughts and ideas floating around for some original articles but January has started with a boom and free time is hard to find! So here’s something someone else wrote! Newcastle Building Society has launched two competitive mortgage schemes to help first […]

100% Mortgages are Back! – Or are they..?

Find in Mortgages November 9th, 2011 - 12,847 views

A new product that has appeared on the mortgage scene is being called a 100% LTV Family Guarantee Mortgage. This has been designed for families who wish to help their children get on the property ladder. As the name suggests, a family member must provide a guarantee and that guarantee must come in the form of […]

Equity release calculators – what are they and how do they work?

Find in Mortgages July 8th, 2011 - 9,680 views

Equity release; a term met with instant distaste and fear, however this out-dated approach could may well be having an impact on how people view their financial options during their retirement years with many having little knowledge and understanding of how it truly works and what rules have now been put in place to regulate […]

Mortgage Deals for a Limited Time Only!

Find in Mortgages June 9th, 2011 - 7,654 views

I found it quite bizarre when in my inbox dropped an email with a limited 7 day offer on some mortgage rates from Abbey. It’s the kind of marketing I’d expect from a closing down furniture shop! A 7 day only offer on a mortgage product?! Is this the shape of things to come? Now […]

Is it Time to Switch to a Fixed Rate Mortgage?

Find in Mortgages February 10th, 2011 - 12,984 views

My mortgage has been on my lender’s Standard Variable Rate (SVR) for over a year now and once again the Bank of England has announced that the Base Rate is to remain at 0.5% for the 23rd month running. So here I sit, safe in the knowledge that for another month my mortgage repayment will […]

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