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Author Archives: Mark Dyason
Take a mortgage without advice? It’s like buying a car without a warranty.
The FSA is facing a tough choice, whether to give in to lenders who are moaning about increased costs or protect what is proposed regarding all mortgage sales. This was to say that all sales have to be advised. It … Continue reading
The Budget – what we picked out of it.
Here is our take on the recent announcements in the budget announced today: Growth, Unemployment & Inflation All are said to be better than elsewhere but low, however all are pretty shaky and open to getting worse if anything happens … Continue reading
Posted in Mortgage Industry, Press Comment
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Interest Only – more changes, time to call the tailor
If you have an interest only mortgage you must be wondering what is next for you. If have one and are not then perhaps now is the time to start. A repayment vehicle seemed like a quaint idea to some … Continue reading
Posted in Interest Only, Interest Rates, Lenders
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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
The search Google is not interested in anymore. Mortgages.
The search giant exits Mortgage comparison. When it launched and its capture of beatthatquote for £37M had commentators reaching for hyperbole and back in 2007 this seemed yet another nail in the coffin of the local mortgage broker looking sit … Continue reading
Posted in Lenders, Mortgage Industry, Press Comment
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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
Aldermore’s new Buy to Let range vs TMW’s products at 80% LTV, are they any good?
Buy to Let, high LTV lending anyone? Aldermore has set the cat among the sole 80% lending pigeon by increasing its max LTV, so let’s look at the rates to see what changes this could mean. The only other lender … Continue reading
Posted in Buy to Let, Lenders
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Our Comment on Mortgage Rate Changes
The Mortgage Rate Update Thursday 12th Jan BoE Base Rate Decision The Bank of England said that Mortgage availability will get harder in the first quarter and nearly every broker on Twitter was telling the world how busy they are … Continue reading
Posted in Base Rate, Buy to Let, Lenders, Mortgage Industry
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The Stupid Deals that Saved Our Bacon
How stupid deals saved us from oblivion The 2 worst finance deals in decades* that saved our bacon Deal 1 Bank of America steps into save Merrill Lynch for just $45Bn OK, firstly hindsight is always 20/20 and BoA’s Ken … Continue reading
Posted in Lenders, Mortgage Industry
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Why the top tax rate of 45p is like half price Pinot Grigio in Tesco
We have all been there, walking past the end of an aisle when the headline grabs us. Why Pinot Grigio down from £9.99 to £4.99, that is an absolute bargain, I must have some. Of course when you get home … Continue reading →