http://www.publicangel.com/forum/showforum.php?fid/11/Discussions about buying property in the UK.noneTue, 09 Jun 2009 07:05:03 GMTTue, 09 Jun 2009 07:05:03 GMThttp://blogs.law.harvard.edu/tech/rssFusionBB 2.3 (www.fusionbb.com)http://www.publicangel.com/forum/showtopic.php?tid/245/http://www.publicangel.com/forum/showtopic.php?tid/245/ Determine your rights
When you are ready to buy your own house, be sure you understand your rights as a home buyer. Knowing the process of buying a house prevents you from getting scammed. You can personally do your home work or seek for a knowledgeable person like a real estate agent or a broker. Make sure that the agent you hire is licensed and have a wide knowledge regarding the area.


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]]>Thu, 04 Jun 2009 08:40:18 GMThttp://www.publicangel.com/forum/showtopic.php?tid/240/http://www.publicangel.com/forum/showtopic.php?tid/240/Las Vegas Realtors with specialized Las Vegas Foreclosure services that help investors and consumers get great deals on Las Vegas Real Estate.

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Current figures show first time buyers are borrowing on average three times there income and 75% of the value of their homes, with average monthly interest payments equating to 15.1% of their income.

For home movers, the average mortgage loan is £115,000 and interest payments equated to an average of 11.4% of income.
]]>Thu, 14 May 2009 11:56:32 GMThttp://www.publicangel.com/forum/showtopic.php?tid/231/http://www.publicangel.com/forum/showtopic.php?tid/231/Is it true the Financial services authority (FSA) are considering cutting down the amount of money homeowners can borrow? Owning a home is already out of my reach and if the FSA make it more difficult, surely it would be impossible for first time buyers?

The FSA have deferred a consultation paper on this subject until September. You are correct however.

What problem are they trying to fix? Is it that banks lend irresponsibly? Is it that the homeowner borrows irresponsibly, or is it that mortgage brokers assist irresponsibly? Maybe it’s a mixture of them all.

In any event, a broad-brush approach of not allowing high loan to value mortgages and simply restricting income multiples, would have been the equivalent of pushing a car with spaghetti.

We are already in an environment where demand has plummeted and supply is still increasing. This is on the backdrop of falling house prices and nearly one million empty properties.

To introduce a block on income multiples would only serve to reduce demand further, pushing prices lower and in turn taking more equity out of the market that is needed to fuel confidence and spending. Great move that would be!

The goal appears to be to focus on peculiar lending practises such as 125% loan to value mortgages seen with Bradford and Bingley and Northern Rock. Northern Rock interestingly were still offering 125% loan to value mortgages after they had received government assistance to stay in business. Amazing.

How can institutions such as this put homeowners in immediate negative equity especially when house prices were clearly over priced?

Our first column on the subject was in 2003 and was repeated time and again pointing out the basic economics of house prices and what drives them. Whilst some dreamt up name of ‘credit crunch’ is getting the blame for the current situation, it is just basic common sense economics that is returning property to a realistic price.

Yet with that clear backdrop the banks continued to lend irresponsibly even offering income multiples up to five times earnings!

The obvious answer is to close all risks. Ensure banks a have a robust application process in place to monitor a borrower’s financial situation appropriately. If they don’t follow this process, they shouldn’t be allowed to repossess if the bad debtor they loaned money to turns out to be a bad debtor. That would be a sure fire deterrent for them.

Perhaps the biggest issue is that of advice. The ‘would be’ homeowner today can go to many places to arrange a mortgage. They could go and see the bank direct, straight to the internet, to a mortgage broker who isn’t independent or a mortgage broker who is independent.

The concern however is that all of these institutions might simply arrange the loan to receive their commission.

My view is that everyone should seek advice first and that advice should be paid for.

Only after receiving that advice might you want to proceed with a mortgage or house purchase, but how likely are you to receive that independent advice where the person in front of you giving you so called advice is only compensated if you do the mortgage?

I know many countries have formal restrictions on the size of mortgage loans such as Hong Kong, the Netherlands, Greece, Austria and Poland.(1) But these are very different markets to the UK.

How can you say that a couple who don’t and wont have children, have no other loans, and have a fixed rate mortgage for 25 years, should have the same income multiple as a couple with three children on a standard variable rate? How daft would that be?

Clearly a one-size fits all approach will only serve to force people to borrow from other areas, some of which may well be unfavourable and nobody wants that.

So we welcome the consultation in September but hope the government have really thought it through or we could see a disappearance of the first time buyer and plummeting house prices
]]>Fri, 08 May 2009 14:47:45 GMThttp://www.publicangel.com/forum/showtopic.php?tid/206/http://www.publicangel.com/forum/showtopic.php?tid/206/
Mr Dale explained that the MPC made the interest rate cuts with the full understanding that they would need to be increased in equal measure to combat inflation. Stating

"The committee adjusted monetary policy boldly and decisively on the way down in order to meet the inflation target"

"And, let me assure you that, when the time comes, we will be prepared to respond with equal vigour on the way back up."

And also commenting that he expected to see signs of recovery by the end of this year.

This may worry the large amount of households currently sitting on their lenders standard variable rate and enjoying the temporary low payments as a result. We always knew this couldn't last forever, but the news that rates could be increasing as early as the end of this year may prompt some to start considering remortgaging.
]]>Fri, 27 Mar 2009 16:19:48 GMThttp://www.publicangel.com/forum/showtopic.php?tid/202/http://www.publicangel.com/forum/showtopic.php?tid/202/
The rate you are fixed at is 4.99%, which in the current climate is a competitive rate, and it comes with the added feature of being able to reassess every 5 years and if required leave with no early repayment fee. The arrangement fee is a reasonable £999 with a maximum loan to value of 75%.

This may prove popular with many the people currently sitting on their lenders standard variable rate which, although cheap now, comes with no guarantee that it won't rise in the near future.
]]>Thu, 26 Mar 2009 16:37:30 GMThttp://www.publicangel.com/forum/showtopic.php?tid/200/http://www.publicangel.com/forum/showtopic.php?tid/200/
This product allows the parents to act as guarantors to the mortgage loan and will allow mortgages of up to 90% LTV. The buyer can also take into account rent received from renting out a room in the property which can be particularly useful in terms of affordability.

This mortgage product can also be used for next time buyers wanting to climb further up the property ladder but struggling with affordability, enabling parents to help in this case as well.
]]>Wed, 25 Mar 2009 13:29:51 GMThttp://www.publicangel.com/forum/showtopic.php?tid/176/http://www.publicangel.com/forum/showtopic.php?tid/176/ Every time I read the newspaper it's more bad news
about the property market.

Falling prices, hard to get finance, low yields...

... the list goes on.

But the smart investors are buying below market
value properties that are being sold at a discount...

-- Properties that are cash positive and that you
can buy without ANY of your own money!

Find out more by clicking the link below:

==> http://www.propertyhorizons.co.uk/cmd.php?Clk=2733...

I am talking about below market value properties.
These are where the owner sells at a discount to
get a quick sale.

Many of the biggest and most successful investors
around the world are buying these because you can:

1. Buy properties with upto 30% proven discounts
from market value. This reduces your risk and gives
you a paper profit of £10,000, £20,000 even up to
£100,000 immediately.

2.Buy without ANY of your own money as the mortgage
covers the ENTIRE purchase price.

3.Get cash back of up to £30,000 per deal!

Find out more by clicking the link below:

==> http://www.propertyhorizons.co.uk/cmd.php?Clk=2733...

The company putting them together, Property Horizons
is finding and negotiating two hundred of these a month,
-- all ready-made-deals.

So you don't need to put adverts in the newspaper,
contacts in high places, and even better,
you don't even need money!

So if you want to get exclusive access to these deals,
visit the page below now:

==> http://www.propertyhorizons.co.uk/cmd.php?Clk=2733...

All the best

PS - If you want to buy property using none of your
own money and also get a large cashback, then this
is something you cannot afford to miss out on:

==> http://www.propertyhorizons.co.uk/cmd.php?Clk=2733... ]]>Sun, 14 Dec 2008 22:45:27 GMThttp://www.publicangel.com/forum/showtopic.php?tid/168/http://www.publicangel.com/forum/showtopic.php?tid/168/
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