Category Archives: Mortgage Industry

Take a mortgage without advice? It’s like buying a car without a warranty.

Posted on April 2, 2012 by Mark Dyason

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 →

Posted in Edinburgh Mortgage Advice, Lenders, Mortgage Industry, Mortgage Know How | Leave a comment

The Budget – what we picked out of it.

Posted on March 21, 2012 by Mark Dyason

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 →

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

Posted on March 7, 2012 by Mark Dyason

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 →

Posted in Base Rate, Edinburgh Mortgage Advice, Housing Market, Interest Rates, Lenders, Mortgage Industry, Standard Variable Rates | Leave a comment

The search Google is not interested in anymore. Mortgages.

Posted on February 8, 2012 by Mark Dyason

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 →

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

Posted on February 7, 2012 by Mark Dyason

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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Our Comment on Mortgage Rate Changes

Posted on January 6, 2012 by Mark Dyason

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 | Leave a comment

The Stupid Deals that Saved Our Bacon

Posted on January 3, 2012 by Mark Dyason

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 →

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

Posted on January 2, 2012 by Mark Dyason

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 →

Posted in Base Rate, Buy to Let, House Prices, Housing Market, Mortgage Industry, Press Comment | Comments Off on 2012 – A set in stone look at what the future holds for mortgages, or at least our best guess.

Buy to Let’s booming – but who will lend the uplift

Posted on December 14, 2011 by Mark Dyason

Since the crunch we have seen first time buyers pretty much excluded from the market and house prices protected by Government, BoE and lender policy.  The upshot of this is a very healthy buy to let and letting sectors, which are growing to … Continue reading →

Posted in Buy to Let, Lenders, Mortgage Industry | Leave a comment

View from the Coalface – Getting Precise about the Scottish Mortgage Market

Posted on November 23, 2011 by Mark Dyason

This is a new set of blogs – with the aim of being a monthly commentry on the mortgage industry from the broker’s point of view, it may have some jargon and TLAs sprinkled about so apologies for that, but I hope … Continue reading →

Posted in Lenders, Mortgage Industry, Scotland | Leave a comment