Category Archives: Housing Market

How can a first time buyer get a mortgage?

They say buying a house is one of the biggest financial decisions you’ll ever make, and for any first time buyer this is a daunting prospect. The mortgage market can be a difficult place to navigate and this is especially … Continue reading

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95% remortgages available

There has been lots of talk about the new Government Schemes helping people get on the ladder. But what about the people who are already on the ladder? Well we have a lender that can help people remortgage up to … Continue reading

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Why Nationwide’s large increase in profit is good news

Here is an article from the Daily Mail saying about Nationwide’s recent increase in profits and lending and Mark’s comments about why this is good news. Like balance transfers, nationaldebtreliefprograms.com are a do-it-yourself option that generally requires a debt relief … Continue reading

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The Return of the First Time Buyer

This week the Council of Mortgage Lender’s latest data has confirmed what we have been seeing first hand, namely that this year the first time buyer has returned. The mix of stable house prices, pent up demand and lenders launching … Continue reading

Posted in Edinburgh Mortgage Advice, First Time Buyers, House Prices, Housing Market, Lenders, Press Comment | 1 Comment

Top 5 reasons to choose a 5 year Fixed Rate mortgage

Are you wondering whether to go for a 2, 3, 4 or 5 year fixed rate mortgage?  Over the past few months there have been some great headline rates on offer for short term deals – but are they really … Continue reading

Posted in Base Rate, Edinburgh Mortgage Advice, Fixed Rates, Housing Market, Interest Rates, Mortgage Know How, Standard Variable Rates | Tagged | 2 Comments

Mortgage rates reach record low

In recent months, some of the best mortgage rates I’ve ever seen have come onto the market. There’s no doubt that the Funding for Lending Scheme, the joint initiative of the Government and Bank of England to get lenders lending … Continue reading

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What goes down must come up – Standard Variable Rates head north

Halifax, RBS One Account customers and now Bank of Ireland customers have all been told in recent days that their Standard Variable Rates are going up. Why? It is the cost of funding we are told. Well, given that the … Continue reading

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A really busy January – is this the storm before the calm?

Like a good few brokers I had a strong start to the year. January was my 2nd best month ever. All this positive start heartily encouraged both me and my colleagues, this is all the sweeter when you take account of … Continue reading

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2012 – A set in stone look at what the future holds for mortgages, or at least our best guess.

For Mortgages, it is that time of year when ‘Industry experts’* are let loose in blogs and other media to let us all know what will be happening in the next year. They are always wrong. Wwhen the sheen of … Continue reading

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House Prices, Stick, Twist or Fold

Here is an article I wrote a year ago, however it still holds true today and I am proud of the Share Cert line! After a weekend of articles saying different things, we look to summarise UK House Prices over … Continue reading

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