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Helping you buy the house or holiday
home you really want.
Happy Christmas 2019
It’s been a busy year all around. We have appeared on podcasts, helped at least 5 lenders with their new Holiday Let lender policies and remain active Networkers with the new formed Cirencester Sterling Group and Gloucestershire Forwards.
No such thing as a free doctor?
Well, of course there are free doctors. That is the ethos of our free, excellent NHS, not forgetting of course it is funded largely by
The Mortgage Market. Summer 2019.
So, what’s been happening in the Mortgage world during my writing sabbatical? Firstly, it’s worth mentioning that rumours of the death of Buy to Let due to tax changes have been overstated. There are, however, some real challenges in the mortgage world that do affect you the consumer.
Times are changing: Mortgages
Since the financial crisis in 2008 lenders have been reluctant to offer high loan-to-value mortgages which has resulted in many of us being unable to afford our dream homes or take our first step onto the property ladder.
Brits abroad: expat landlords
How many Brits are living abroad is up for debate depending on which source you listen to. But one thing we do know for sure is that there are a lot of expats living right the way across the globe.
Homeowner’s mortgage term news
For first-time buyers, it has become incredibly hard to take that important first step onto the property ladder. According to research by Halifax, the average house deposit has increased by a staggering 71% from £19,364 in 2008 to £33,127 in 2018.