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	<title>UKMoneyPot.co.uk - UK Finance Blog &#187; Mortgages</title>
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	<link>http://www.ukmoneypot.co.uk</link>
	<description>A UK Personal Finance Blog  - The result of direct exposure to the fallout of the financial crisis.</description>
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		<title>House Prices and Earnings/Debt:Income Ratio</title>
		<link>http://www.ukmoneypot.co.uk/house-prices-and-earningsdebtincome-ratio.htm</link>
		<comments>http://www.ukmoneypot.co.uk/house-prices-and-earningsdebtincome-ratio.htm#comments</comments>
		<pubDate>Fri, 03 Sep 2010 11:26:42 +0000</pubDate>
		<dc:creator>UKMoneyPot</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.ukmoneypot.co.uk/?p=417</guid>
		<description><![CDATA[House prices are up! House prices are down&#8230; Now they&#8217;re up again! And now there down again. And when they are only halfway up they&#8217;ll be neither up nor down&#8230;.
And that&#8217;s where they need to be, neither up nor down but on a bit of a plateau.
While that&#8217;s going on, earnings need to go up [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<title>Get Half Your Deposit Back on a Buy to Let</title>
		<link>http://www.ukmoneypot.co.uk/get-half-your-deposit-back-on-a-buy-to-let.htm</link>
		<comments>http://www.ukmoneypot.co.uk/get-half-your-deposit-back-on-a-buy-to-let.htm#comments</comments>
		<pubDate>Fri, 20 Aug 2010 13:59:23 +0000</pubDate>
		<dc:creator>UKMoneyPot</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.ukmoneypot.co.uk/?p=415</guid>
		<description><![CDATA[If you are:
1/ An experienced landlord
2/ Can afford a 30% deposit
3/ Want to buy a Buy-to-Let property that needs some work
Then it may be possible to get over half the deposit back once a bit of redecorating work has been done as well as recoup some of the cost of the redecorating.
There is a mortgage product available known [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Beware the Knotweed</title>
		<link>http://www.ukmoneypot.co.uk/beware-the-knotweed.htm</link>
		<comments>http://www.ukmoneypot.co.uk/beware-the-knotweed.htm#comments</comments>
		<pubDate>Thu, 22 Jul 2010 17:31:32 +0000</pubDate>
		<dc:creator>UKMoneyPot</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.ukmoneypot.co.uk/?p=408</guid>
		<description><![CDATA[There has been some news about this in the past but I have now experienced the affects of Japanese Knotweed on a mortgage application first hand so I can now add to the melting pot.
My client had found a house they wanted, we put their application in, the mortgage lender contracted a surveyor to value [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<title>Mortgages for Millionaires</title>
		<link>http://www.ukmoneypot.co.uk/mortgages-for-millionaires.htm</link>
		<comments>http://www.ukmoneypot.co.uk/mortgages-for-millionaires.htm#comments</comments>
		<pubDate>Sat, 29 May 2010 16:43:37 +0000</pubDate>
		<dc:creator>UKMoneyPot</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.ukmoneypot.co.uk/?p=377</guid>
		<description><![CDATA[Now a millionaire doesn&#8217;t necessarily have to have £1 million in the bank. It&#8217;s possible to be considered a millionaire if you own assets like a house/yacht/racehorse that are worth a million or so.
Owning a house worth £1 million or more with a mortgage of £750,000 doesn&#8217;t technically make you a millionaire until the mortgage [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Currently on the Lips, it&#8217;s Over for the HIPs!</title>
		<link>http://www.ukmoneypot.co.uk/currently-on-lips-its-over-for-the-hips.htm</link>
		<comments>http://www.ukmoneypot.co.uk/currently-on-lips-its-over-for-the-hips.htm#comments</comments>
		<pubDate>Thu, 20 May 2010 17:39:14 +0000</pubDate>
		<dc:creator>UKMoneyPot</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.ukmoneypot.co.uk/?p=368</guid>
		<description><![CDATA[&#8230;&#8230;..and, they&#8217;re gone. HIPs are no longer required when selling a house.
Did they make much difference while they were around? It&#8217;s possible a number of houses remain unsold due to a poor energy rating (although the hole in the roof was obvious) and they will stay that way because Energy Performance Certificates are still required.
EPC&#8217;s were [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mortgage Lenders &amp; Income Multiples</title>
		<link>http://www.ukmoneypot.co.uk/mortgage-lenders-income-multiples.htm</link>
		<comments>http://www.ukmoneypot.co.uk/mortgage-lenders-income-multiples.htm#comments</comments>
		<pubDate>Wed, 21 Apr 2010 13:12:53 +0000</pubDate>
		<dc:creator>UKMoneyPot</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.ukmoneypot.co.uk/?p=353</guid>
		<description><![CDATA[For many years a multiple of earnings has been considered a way to gauge how much a mortgage lender will lend.
For example, if a mortgage lender suggests they would lend 5x income, someone with a £10,000 salary would be able to borrow £50,000.
In some instances this is still partly the case but to safeguard against [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>The Small Business Owner&#8217;s Mortgage Trap</title>
		<link>http://www.ukmoneypot.co.uk/the-small-business-owners-mortgage-trap.htm</link>
		<comments>http://www.ukmoneypot.co.uk/the-small-business-owners-mortgage-trap.htm#comments</comments>
		<pubDate>Tue, 13 Apr 2010 19:20:09 +0000</pubDate>
		<dc:creator>UKMoneyPot</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.ukmoneypot.co.uk/?p=346</guid>
		<description><![CDATA[Typically, self employed people wishing to obtain a mortgage require at least 2 years worth of accounts or, very solid business projections with an accountant&#8217;s letter or certificate.
Small business owners who are the only director of their limited company are also considered self employed for mortgage purposes.
Historically, to calculate how much an applicant can afford, [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Mortgage Rates are Getting Better &#8211; But Lenders are Still Sneaky</title>
		<link>http://www.ukmoneypot.co.uk/mortgage-rates-are-getting-better-but-lenders-are-still-sneaky.htm</link>
		<comments>http://www.ukmoneypot.co.uk/mortgage-rates-are-getting-better-but-lenders-are-still-sneaky.htm#comments</comments>
		<pubDate>Fri, 22 Jan 2010 20:39:20 +0000</pubDate>
		<dc:creator>UKMoneyPot</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.ukmoneypot.co.uk/?p=319</guid>
		<description><![CDATA[I wasn&#8217;t going to write this as its after 8pm on a Friday and I really should pack up for the day but as I went to shut down I went to close the website I was researching and thought, what the hell.
Over the last few months, fixed mortgage rates have been gradually creeping down [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<title>Property Developer Wins Landmark Case</title>
		<link>http://www.ukmoneypot.co.uk/property-developer-wins-landmark-case.htm</link>
		<comments>http://www.ukmoneypot.co.uk/property-developer-wins-landmark-case.htm#comments</comments>
		<pubDate>Thu, 07 Jan 2010 11:26:21 +0000</pubDate>
		<dc:creator>UKMoneyPot</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.ukmoneypot.co.uk/?p=316</guid>
		<description><![CDATA[In what has been described as a “landmark” ruling by newspaper The Mail, a judge has awarded damages of over £130,000 to a property developer after an unnamed buy-to-let investor pulled out of a deal to buy two flats in a Plymouth city centre new-build.
The 122-unit development has been plagued with troubles since the onset [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Is it Time for Lenders to Lure Back First Time Buyers?</title>
		<link>http://www.ukmoneypot.co.uk/is-it-time-for-lenders-to-lure-back-first-time-buyers.htm</link>
		<comments>http://www.ukmoneypot.co.uk/is-it-time-for-lenders-to-lure-back-first-time-buyers.htm#comments</comments>
		<pubDate>Mon, 14 Sep 2009 13:24:14 +0000</pubDate>
		<dc:creator>UKMoneyPot</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.ukmoneypot.co.uk/?p=294</guid>
		<description><![CDATA[Although 100% mortgage lending for first time buyers is either a log way away from ever happening again or will never happen again, 90% mortgages have typically been considered the route to home ownership for many.
Despite the existence of 90% mortgages the number of options have been greatly reduced by the financial crisis, partly due to [...]]]></description>
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		<slash:comments>3</slash:comments>
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