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Richard Pettinger's Articles in Mortgages
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Prospects for UK Buy to Let Sector
For the past 3 years some commentators have been predicting the imminent collapse of the Buy to let sector. House prices are rising faster than both average earnings and now rents. The economic fundamentals behind the strength of the sector are starting to decline. However despite concerns there are some reasons to be optimistic
Help In Getting A Mortgage On A Small Income
Tips for getting Mortgage on a Low Income and Bad Credit. Getting a self certification mortgage is the most popular option for taking out a mortgage if you on a low income
Drawbacks of Interest Only Mortgages
The number of Interest only mortgages has increased in recent years. They provide an opportunity for people to take out a mortgage loan and pay the minimum mortgage repayments possible. However they have been criticised for increasing the total repayment costs to borrowers. The desirability of an interest only mortgage will to some extent depend on your circumstances. However if you are thinking of taking out an interest only mortgage then it is worth bearing in mind these potential problems.
Bad Credit Remortgage Loans
If you have a poor credit history such as missed mortgage payments it will be more difficult to get a good remortgage quote. Often lending institutions see poor credit histories as riskier. Therefore to compensate the increased risk they charge a premium of higher interest rates. This may be exacerbated by recent problems in the US sub prime mortgage industry. An increasing number of defaults are discouraging firms from making loans to the risky sector of the market.
Advice on Getting Best Mortgage Deal
Tips and advice for getting best mortgage deal - including looking at how to choose the right mortgage for your circumstance.
Advice for Getting a Mortgage on a Low Income
UK house prices have risen over 130% in the past 10 years, for many prospective buyers it feels that getting on the housing ladder is beyond their reach. However despite the extravagant house price levels it is still possible for first time buyers and others on low incomes to be able to get a mortgage and buy your first house.
Self Certification Remortgage Quotes in UK: Getting Best Deal
With a self-certification mortgage you have a lot more flexibility in getting a mortgage loan. Usually with a standard repayment the amount you can borrow is dependent upon a multiple of your provable wage. However the idea of a self certification mortgage is that it is not essential to be able to prove your income. However because of the increased risk involved in self certification mortgages the quotes you get may offer a worse interest rate than a standard mortgage quotes. However recently self cert mortgages have become more competitive, but at the same time mortgage lenders are less likely to help you "exaggerate" your income.
Benefits of Offset Mortgages in Saving Interest Payments
An offset mortgage is a mortgage where the bank combines your mortgage account with your savings account. This means that if you have savings in your current account you can automatically use these savings to pay off your mortgage, saving you potentially large sums of money in both interest and tax.
UK Remortgage Quotes
Remortgaging your house is potentially one of the best financial decisions you can make. Banks and building societies take advantage of existing customers who are happy to stay on the more expensive Standard Variable Rates. However lending institutions know that a small (but growing) percentage of homeowners are looking for the best mortgage deal. Therefore to these borrowers, who go to the trouble of looking to change their mortgage deal, banks will offer special attractive mortgage deals to either keep customers or tempt them from another building society.
Remortgaging After A Rise In Interest Rates
Does a rise in interest rates increase incentive to remortgage? In the UK the Bank of England recently increased interest rates to 5.25%; this is the third rise since last summer. The effect of this is to increase substantially the cost of mortgage interest payment for those with variable or tracker mortgages
Never Ending Perpetual Mortgages
How do you like the idea of paying the minimum monthly mortgage payments possible on your mortgage? How do you like the idea of being able to pass both your mortgage and your house onto your children? It may seem rather far fetched but the latest type of mortgage to be offered is known as a perpetual or "never ending mortgage". The idea is that you are able to make interest only payments, for an unspecified time period. If you die or are unable to keep making payments in retirement you can give the house and mortgage to your children.
Guide to Reducing Burden of a Mortgage in UK
With UK interest rates rising to 5.25%, UK home owners are experiencing a significant rise in their monthly repayments. As interest rates rise it increases the incentive for homeowners to shop around and investigate whether they can get a better deal. There are various steps home owners can take to try and reduce the burden of monthly mortgage payments in both the short term and long term.
Types of Non Conventional Mortgages Available in UK
There is an increasing array of non conventional mortgages on the market. Increasingly, even mainstream lenders are not sticking to conventional rules about borrowing. The choice of mortgages is often overwhelming; this is because often mortgages are combined, e.g semi fixed mortgages combined with a current account mortgage. Details about different types here.
Self - Certification Mortgages and Their Desirability
Look into self certification mortgages. Why the FSA investigated the self-certification market and their conclusions.
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