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STEVEN COOPER TAKES THE HELM AT ALDERMORE AS PHILLIP MONKS Steven Cooper has now taken up the role of CEO of Aldermore following the retirement of Phillip Monks OBE. Cooper, who was previously CEO of C.Hoare & Co, has more than three decades of international banking experience. As well as holding the role of CEO of the personal banking business at Barclays he was also CEO of Barclaycard BusinessSolutions.
WARNING ISSUED AS NEW BREED OF JAPANESE KNOTWEED INVADES By Kate Saines in Surveying 21st October 2020 0. A new breed of invasive plant, which is a rare hybrid of the notorious Japanese and Giant knotweeds, has been identified as a potential threat to UK homeowners. Bohemian knotweed is particularly troublesome because it is not so easily recognised as its infamous parents. MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of NATIONWIDE LAUNCHES SUB-1% REMORTGAGE DEAL Nationwide launches sub-1% remortgage deal. By Kate Saines in Lending news 2nd June 2021 0. Nationwide has today launched a two-year fixed-rate mortgage with an interest rate of 0.99%. The deal, which is available for remortgagers, is for customers with a loan-to-value (LTV) of 60% and it comes with a £1,499 fee. NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high LSL ANNOUNCES VENTURE TO ESTABLISH NATIONAL MORTGAGE BROKER LSL announces venture to establish national mortgage broker. By admin in Market news 23rd April 2021 0. LSL, which runs mortgage networks including PRIMIS, is entering a joint venture with Pollen Street Capital to establish a new vehicle which aims to become a leading national mortgage broker. David Copland will be the new strategy andbusiness
STEVEN COOPER TAKES THE HELM AT ALDERMORE AS PHILLIP MONKS Steven Cooper has now taken up the role of CEO of Aldermore following the retirement of Phillip Monks OBE. Cooper, who was previously CEO of C.Hoare & Co, has more than three decades of international banking experience. As well as holding the role of CEO of the personal banking business at Barclays he was also CEO of Barclaycard BusinessSolutions.
WARNING ISSUED AS NEW BREED OF JAPANESE KNOTWEED INVADES By Kate Saines in Surveying 21st October 2020 0. A new breed of invasive plant, which is a rare hybrid of the notorious Japanese and Giant knotweeds, has been identified as a potential threat to UK homeowners. Bohemian knotweed is particularly troublesome because it is not so easily recognised as its infamous parents. DIGITAL ACCELERATION: PROVIDING CHOICE FOR ALL 1 day ago · Meeting the needs of both the ‘passbook’ customers and those from the digital generation is a fine balancing act. In the second of his two part series Adam Oldfield of Phoebus Software Limited explains how equilibrium can be achieved In my last article I wrote about the digital journey many SEARCHFLOW LAUNCHES DATA SERVICE TO PINPOINT POTENTIAL 1 day ago · A new service has been created to help lawyers gain crucial insights and data on sites and properties and enable them to spot any potential concerns before it’s too late. Premium Data Layers is a data-led service from SearchFlow, a provider of legal due diligence information for residential and HOW ARE LENDERS PERFORMING? BROKERS OFFER THEIR VERDICT 1 day ago · Broker satisfaction with mortgage lenders has increased by 2.5% in the last six months with Halifax and Skipton Building Society coming out on top amongst those surveyed. Research by Smart Money People said while overall satisfaction had not recovered fromthe
BUY-TO-LET: WHAT TO LOOK OUT FOR IN 2021 Buy-to-let incorporations were the second most common type of company founded in 2020, second only to firms selling goods online or by mail order, and this is something that will continue in the first quarter of 2021. Lenders and intermediaries are set for a busy three months as they look to complete deals before the deadline. MORTGAGE LENDERS’ HANDBOOK Sam Ruback of Thirdfort reveals how unclear wording in the Mortgage Lenders’ Handbook regarding digital ID is creating confusion amongst conveyancers and property solicitors Like many other trends, the changes brought about by Covid-19 led to a huge acceleration in theadoption and use of
SMARTSEARCH ISSUES WARNING OVER RISK OF GDPR BREACH Businesses are being warned they may be at risk of breaching GDPR rules due to a lack of secure data hosting. Anti-money laundering specialist SmartSearch said regulated businesses in the housing chain which are relying on manual customer records MORTGAGE OPTIONS INCREASE AS RATES GET COMPETITIVE Mortgage options for borrowers are continuing on an upward trajectory as new data reveals the number of deals now stands at 4,243. Figures out today from Moneyfacts.co.uk show product choice is now at its highest level since the onset of the pandemic having risen UNDERSTANDING VALUE IN CONSULTANCY IS CRUCIAL Many are predicting IR35 will sound the death knell for consultants. But Tim Hague thinks such reports are greatly exaggerated Last week, an interesting article caught my eye with regard the unfolding story of IR35. The introduction ran, ‘private and public sector organisations that fail to take AIR GROUP GUIDE AIMS TO BRIDGE LATER LIFE FINANCE Air Group has today launched a consumer guide to support advisers in helping clients find options in the later life market. It comes as new research revealed 18% of those aged 45 and above had not undertaken any retirement planning and only 17% were confident they had HALIFAX: ANOTHER ‘RECORD HIGH’ FOR HOUSE PRICES IN MAY The average house price has reached £261,743 following an annual rise of 9.5% according to the latest data from Halifax. The lender’s house price index showed a monthly change of 1.3% which pushed the average price to a record high for the series. Indeed, Halifax said annual house price inflation MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high SECRET COMMISSIONS: COURT RULING PROVIDES CLARITY FORSEE MORE ON MORTGAGEFINANCEGAZETTE.COM STEVEN COOPER TAKES THE HELM AT ALDERMORE AS PHILLIP MONKS Steven Cooper has now taken up the role of CEO of Aldermore following the retirement of Phillip Monks OBE. Cooper, who was previously CEO of C.Hoare & Co, has more than three decades of international banking experience. As well as holding the role of CEO of the personal banking business at Barclays he was also CEO of Barclaycard BusinessSolutions.
CLADDING: RICS OFFERS CLARITY FOR LENDERS ON WHEN THE EWS1 The criteria, announced today by RICS, is as follows: For buildings over six storeys an EWS1 form should be required where: There is cladding or curtain wall glazing on the building or. there are balconies which stack vertically above each other and either both the balustrades and decking are constructed with combustible materials(e.g. timber
ENERGY PERFORMANCE CERTIFICATES AND MORTGAGE LENDING Mortgage lenders will be familiar with Energy Performance Certificates (EPCs) which have to be produced when any house or flat in England and Wales is sold and are also obligatory now when a property is let. EPCs provide a guide to the energy efficiency of a home using a simple coloured bar chart ranging from green A to red G. MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARY NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of PROPERTY SALES DIP BY 36% IN APRIL FOLLOWING STAMP DUTY Indeed, many thought the dip was a result of the ‘rush’ created by the original stamp duty deadline of 31 March. Mark Harris, chief executive of mortgage broker SPF Private Clients, said: “April’s dip in transactions compared with March is likely to be at least partly due to the anticipated end of the stamp duty holiday, before its extension was announced, which resulted in buyers NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February CONVEYANCING ASSOCIATION WELCOMES LEASEHOLD REFORM The Conveyancing Association (CA) has welcomed the inclusion of a new Leasehold Reform (Ground Rent) Bill as announced in the Queen’s Speech to Parliament. Leasehold reform has been a major focus of the trade body for the last six years, as such the Association admitted it was ‘delighted’ so see it included and to be given such a high SECRET COMMISSIONS: COURT RULING PROVIDES CLARITY FORSEE MORE ON MORTGAGEFINANCEGAZETTE.COM STEVEN COOPER TAKES THE HELM AT ALDERMORE AS PHILLIP MONKS Steven Cooper has now taken up the role of CEO of Aldermore following the retirement of Phillip Monks OBE. Cooper, who was previously CEO of C.Hoare & Co, has more than three decades of international banking experience. As well as holding the role of CEO of the personal banking business at Barclays he was also CEO of Barclaycard BusinessSolutions.
CLADDING: RICS OFFERS CLARITY FOR LENDERS ON WHEN THE EWS1 The criteria, announced today by RICS, is as follows: For buildings over six storeys an EWS1 form should be required where: There is cladding or curtain wall glazing on the building or. there are balconies which stack vertically above each other and either both the balustrades and decking are constructed with combustible materials(e.g. timber
ENERGY PERFORMANCE CERTIFICATES AND MORTGAGE LENDING Mortgage lenders will be familiar with Energy Performance Certificates (EPCs) which have to be produced when any house or flat in England and Wales is sold and are also obligatory now when a property is let. EPCs provide a guide to the energy efficiency of a home using a simple coloured bar chart ranging from green A to red G. DIGITAL ACCELERATION: PROVIDING CHOICE FOR ALL 3 hours ago · Meeting the needs of both the ‘passbook’ customers and those from the digital generation is a fine balancing act. In the second of his two part series Adam Oldfield of Phoebus Software Limited explains how equilibrium can be achieved In my last article I wrote about the digital journey many HOW ARE LENDERS PERFORMING? BROKERS OFFER THEIR VERDICT 4 hours ago · Broker satisfaction with mortgage lenders has increased by 2.5% in the last six months with Halifax and Skipton Building Society coming out on top amongst those surveyed. Research by Smart Money People said while overall satisfaction had not recoveredfrom the
SEARCHFLOW LAUNCHES DATA SERVICE TO PINPOINT POTENTIAL 5 hours ago · A new service has been created to help lawyers gain crucial insights and data on sites and properties and enable them to spot any potential concerns before it’s too late. Premium Data Layers is a data-led service from SearchFlow, a provider of legal due diligence information for residential and ONLINE BROKER EXPERIENCES FIRST-TIME BUYER BOOM DURING By Kate Saines in Lending news 20th April 2021 0. There has been a surge in first-time buyers applying for mortgages during the pandemic, according to data from online mortgage broker, Trussle. Deposit sizes increased, said Trussle. It reported a 185% increase in applications from people making their first foray into homeownership in 2020, with MORTGAGE LENDERS’ HANDBOOK Sam Ruback of Thirdfort reveals how unclear wording in the Mortgage Lenders’ Handbook regarding digital ID is creating confusion amongst conveyancers and property solicitors Like many other trends, the changes brought about by Covid-19 led to a huge acceleration in theadoption and use of
INCORPORATING SUSTAINABILITY INTO RESIDENTIAL SURVEYING 1 day ago · Tackling climate change from a business perspective can take a variety of forms. Ana Bajri explains how Countrywide Surveying Services is playing its role in reducing C02 emissions and improving sustainability As society’s values shift to include sustainability, so too will the way decisions are SMARTSEARCH ISSUES WARNING OVER RISK OF GDPR BREACH 1 day ago · Businesses are being warned they may be at risk of breaching GDPR rules due to a lack of secure data hosting. Anti-money laundering specialist SmartSearch said regulated businesses in the housing chain which are relying on manual customer records AIR GROUP GUIDE AIMS TO BRIDGE LATER LIFE FINANCE 1 day ago · Air Group has today launched a consumer guide to support advisers in helping clients find options in the later life market. It comes as new research revealed 18% of those aged 45 and above had not undertaken any retirement planning and only 17% were confident theyhad
PROPORTUNITY JOINS IMLA AS ASSOCIATE MEMBER 1 day ago · The specialist mortgage lender aims to help aspiring buyers access homeownership by providing a second charge top-up loan similar to Help to Buy but regulated and available on any eligible home. The addition of Proportunity Loans as an Associate member means LENDERS PLEDGE SUPPORT FOR NEWLY-LAUNCHED FIRST HOMES SCHEME Newcastle and Leeds building societies have announced they are among the lenders supporting the First Homes scheme to help young people and key workers on to the housing ladder. The government launched the flagship initiative to provide homes at a MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARYMORTGAGE FINANCE COMPANIESFINANCE MORTGAGE RATENATIONAL MORTGAGE NEWS CONFERENCEOWNER FINANCE MORTGAGE CALCULATOR NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February STEVEN COOPER TAKES THE HELM AT ALDERMORE AS PHILLIP MONKS Steven Cooper has now taken up the role of CEO of Aldermore following the retirement of Phillip Monks OBE. Cooper, who was previously CEO of C.Hoare & Co, has more than three decades of international banking experience. As well as holding the role of CEO of the personal banking business at Barclays he was also CEO of Barclaycard BusinessSolutions.
CLADDING: RICS OFFERS CLARITY FOR LENDERS ON WHEN THE EWS1 The criteria, announced today by RICS, is as follows: For buildings over six storeys an EWS1 form should be required where: There is cladding or curtain wall glazing on the building or. there are balconies which stack vertically above each other and either both the balustrades and decking are constructed with combustible materials(e.g. timber
CLARITY ON CHARGING ORDERS The key problem for lenders in allowing mortgagors to remain in possession for many years after default is that section 15 and section 17 of the Limitation Act 1980 (the Act) operate to extinguish the lender’s title under a legal mortgage 12 years after accrual of the cause of action for the claim for possession.Whilst the cause of action accrues afresh on part payments or acknowledgementsMORTGAGES FOR MUD
The wet mud is then laid on the pinning in layers of about 600mm at a time with further layers added as soon at the material beneath is reasonably dry. Construction is very rapid and the walls are left for a few days to harden before being rendered inside and out with lime plaster and finished with a lime wash as decoration. AVERAGE AGE FOR PAYING OFF MORTGAGE INCREASES BY MORE THANAVERAGE AGE OF PAYING OFF MORTGAGEAVERAGE MORTGAGE PAYOFF YEARSWHEN TO PAY OFF MORTGAGEYEARS TO PAY OFF MORTGAGEAVERAGE AMERICAN HOUSE COSTAVERAGEAMERICAN PAY RATE
The age of becoming mortgage free in the UK now averages more than a decade older than a generation ago. According to research from Post Office Mortgages, over a third of homeowners here expect to be well into their 60’s before paying their mortgage off in full, compared to a generation ago when the average age was 51 years old. HOMEOWNER SUES SURVEYOR FOR FAILING TO SPOT JAPANESE KNOTWEED Mr Ryb instructed Environet to excavate the Japanese knotweed, at a cost of just over £10,000. He then brought legal action against the surveyor for negligence, suing for costs and damages including ‘making good’ of the gardens and grounds. The Judge found in favour of the claimant and awarded him damages and costs, also takinginto
MORTGAGE FINANCE GAZETTE: LENDING NEWS FOR MORTGAGEMARKET NEWSLENDING NEWSLEGAL NEWSFINTECHFEATURESMARKET COMMENTARYMORTGAGE FINANCE COMPANIESFINANCE MORTGAGE RATENATIONAL MORTGAGE NEWS CONFERENCEOWNER FINANCE MORTGAGE CALCULATOR NatWest is launching its Mortgage Guarantee Scheme products for intermediaries tomorrow, it has announced. How we can help first-time buyers achieve homeownership goals. Aldermore’s Jon Cooper takes a look at how lenders can support the growing and diverse needs of first-time buyers in today’s high-priced housing market. THE UK’S PROPERTY BUBBLE The figures tell their own story. The ONS today reported a year-on-year increase in UK average house prices of 10.2% in March 2021 – the largest rate of annual growth the UK has seen since 2007.. Halifax’s similar report highlighted a 1.4% increase in prices in April 2021 alone, culminating in a record average house price of £258,000. Paired with a 15-year high in the volume of NEW BANK TO LAUNCH NEXT MONTH New bank to launch next month – and it’s set to make a big difference. By admin in Banks, Market news 20th May 2021 0. A mortgage and property finance collective has today announced it is launching a new bank on 1 June 2021. The bank, the name of which will be revealed on 1 June, will be taking the well-known concepts of deposits, savings HOUSE PRICES ROCKET BY 7.1% House prices experienced their biggest monthly growth spurt since 2004, Nationwide data for April has revealed. The building society’s house price index recorded a rebound in growth to 7.1% in April from 5.7% in March. Meanwhile, month-on-month figures revealed prices went up by 2.1% – a rate of growth not seen by Nationwide since February STEVEN COOPER TAKES THE HELM AT ALDERMORE AS PHILLIP MONKS Steven Cooper has now taken up the role of CEO of Aldermore following the retirement of Phillip Monks OBE. Cooper, who was previously CEO of C.Hoare & Co, has more than three decades of international banking experience. As well as holding the role of CEO of the personal banking business at Barclays he was also CEO of Barclaycard BusinessSolutions.
CLADDING: RICS OFFERS CLARITY FOR LENDERS ON WHEN THE EWS1 The criteria, announced today by RICS, is as follows: For buildings over six storeys an EWS1 form should be required where: There is cladding or curtain wall glazing on the building or. there are balconies which stack vertically above each other and either both the balustrades and decking are constructed with combustible materials(e.g. timber
CLARITY ON CHARGING ORDERS The key problem for lenders in allowing mortgagors to remain in possession for many years after default is that section 15 and section 17 of the Limitation Act 1980 (the Act) operate to extinguish the lender’s title under a legal mortgage 12 years after accrual of the cause of action for the claim for possession.Whilst the cause of action accrues afresh on part payments or acknowledgementsMORTGAGES FOR MUD
The wet mud is then laid on the pinning in layers of about 600mm at a time with further layers added as soon at the material beneath is reasonably dry. Construction is very rapid and the walls are left for a few days to harden before being rendered inside and out with lime plaster and finished with a lime wash as decoration. AVERAGE AGE FOR PAYING OFF MORTGAGE INCREASES BY MORE THANAVERAGE AGE OF PAYING OFF MORTGAGEAVERAGE MORTGAGE PAYOFF YEARSWHEN TO PAY OFF MORTGAGEYEARS TO PAY OFF MORTGAGEAVERAGE AMERICAN HOUSE COSTAVERAGEAMERICAN PAY RATE
The age of becoming mortgage free in the UK now averages more than a decade older than a generation ago. According to research from Post Office Mortgages, over a third of homeowners here expect to be well into their 60’s before paying their mortgage off in full, compared to a generation ago when the average age was 51 years old. HOMEOWNER SUES SURVEYOR FOR FAILING TO SPOT JAPANESE KNOTWEED Mr Ryb instructed Environet to excavate the Japanese knotweed, at a cost of just over £10,000. He then brought legal action against the surveyor for negligence, suing for costs and damages including ‘making good’ of the gardens and grounds. The Judge found in favour of the claimant and awarded him damages and costs, also takinginto
MORTGAGE OPTIONS INCREASE AS RATES GET COMPETITIVE 1 day ago · Mortgage options for borrowers are continuing on an upward trajectory as new data reveals the number of deals now stands at 4,243. Figures out today from Moneyfacts.co.uk show product choice is now at its highest level since the onset of the pandemic havingrisen
MORTGAGE LENDERS’ HANDBOOK Sam Ruback of Thirdfort reveals how unclear wording in the Mortgage Lenders’ Handbook regarding digital ID is creating confusion amongst conveyancers and property solicitors Like many other trends, the changes brought about by Covid-19 led to a huge acceleration in theadoption and use of
VALUE OF NEW MORTGAGES SOARS TO PRE-FINANCIAL CRISIS LEVELS 3 hours ago · The value of new mortgages soared at the start of the year to levels not seen since before the financial crisis, new Bank of England (BoE) data has revealed. The latest Q1 mortgage statistics revealed the value of gross advances in Q1 was £83.3 billion – this was 26.5% higher than the same SECOND CHARGE MORTGAGE MARKET ‘RETURNS TO GROWTH’ IN APRIL 1 day ago · Figures out today show the value of new business in this part of the mortgage market grew by 154% compared to the same month last year. Fiona Hoyle, director of consumer & mortgage finance and inclusion at the Finance & Leasing Association (FLA), said: “The second charge mortgage market returned to growth in April in line with expectations given the adverse impact of the first lockdown on MORE2LIFE UNVEILS NEW HIGH LTV EQUITY RELEASE PLANS more2life has launched two new equity release products which claim to have the highest loan-to-value (LTV) available in the market. The lender revealed the new Maximum Choice Super 1 and 2, which are open to borrowers between the ages of 55 and DARLINGTON UNVEILS HOLIDAY LET MORTGAGE AS ‘STAYCATION 2 hours ago · Darlington Intermediaries has become the latest lender to enter the buoyant holiday let market with a new deal available up to 75% loan-to-value (LTV). The launch of the two-year discount rate mortgage comes at a time of great uncertainty over foreign travel. UNDERSTANDING VALUE IN CONSULTANCY IS CRUCIAL 1 day ago · Many are predicting IR35 will sound the death knell for consultants. But Tim Hague thinks such reports are greatly exaggerated Last week, an interesting article caught my eye with regard the unfolding story of IR35. The introduction ran, ‘private and public sector organisations that fail to take LENDERS PLEDGE SUPPORT FOR NEWLY-LAUNCHED FIRST HOMES SCHEME Newcastle and Leeds building societies have announced they are among the lenders supporting the First Homes scheme to help young people and key workers on to the housing ladder. The government launched the flagship initiative to provide homes at a ARE YOU READY FOR BANK OF ENGLAND CLIMATE STRESS TESTING? Are you ready for Bank of England climate stress testing? There’s just one month to go until the Bank of England (BoE) launches regulatory climate stress testing to the largest banks and building societies, Terrafirma is warning. The ground risk specialist explained the bigger lenders have until September to provide initial feedback tothe BoE.
NEW EQUITY RELEASE GUIDELINES INCLUDE SUPPORT FOR The Equity Release Council (ERC) has updated its checklist for advisers to include extra focus on vulnerable and remortgaging customers as well as those consolidating debt. Adviser members must now complete an extended checklist, which has been increased from 12 to 24 points. The update comes just after the Financial ConductAuthority (FCA
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Go to... Market news – Mortgage servicing – Housing – Regulation – Funding – Arrears – Insurance – Fraud – Surveying – Company news – Savings Lending news – Second charge mortgages – Buy to let – Later life lending – Bridging finance – Specialist lending – Commercial lending – Mortgage lending figures – Peer to peer lending Legal news – Conveyancing – Legal Cases Fintech Features Market commentary Awards Conference__
FEATURED MORTGAGE INDUSTRY NEWS*
CASTLE TRUST CHOOSES DPR FOR SAVINGS PLATFORM Savings and lending banking technology provider, DPR, has partnered with Castle Trust to provide it ...*
ONLY A HANDFUL OF LANDLORDS APPLYING FOR A PAYMENT HOLIDAY NEED ONE*
REMORTGAGE MARKET HOLDING FIRM * Second charge mortgage lending up in February 2020 The number of new second charge mortgage agreements reached 2,435 in February, a monthly rise of 13% and an annual increase of 18%, figures from the Finance & Leasing Association (FLA) show. * BTL product choice rapidly shrinks due to Covid-19 The Covid-19 pandemic has impacted the choice and cost of deals in the buy-to-let market over the past month, according to Moneyfacts UK Mortgage Trends Treasury Report data, not yet published. * 1.24 million mortgage borrowers given payment holidays by lenders More than 1.2 million mortgage payment holidays have been granted to households whose finances have been impacted by Covid-19, UK Financehas revealed.
* e.surv extends its ‘Remote Valuation’ solution As part of an ongoing strategy to support the market through the current Covid-19 crisis, e.surv, the UK’s largest residential chartered surveyors, has extended the deployment of its tailored Remote Valuation solution.FEATURES
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The changing shape of the conveyancing market Stephen Ward, director of strategy at the Council for Licensed Conveyancers, discusses how the sector is moving forward and using technology to bring in a new era in the legal process of home buyingand selling
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Equity release and the importance of advice Alice Watson, head of marketing, insurance at Canada Life, explores the evolution of the equity release market and why advice plays such avital role
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Using data to price in uncertain times – how lenders can address margin pressures on the mortgage book Hrishi Rajadhyaksha, director at pricing and strategy consultancy Simon-Kucher & Partners, looks at how lenders could take more advantage of the data they have to tackle the margin pressures in their mortgage booksLENDING NEWS
* Only a handful of landlords applying for a payment holiday needone
Mortgage for Business says only “a handful” of landlords contacting its switchboard about mortgage repayment holidays are raising legitimate concerns about how to pay their mortgage in the face of the Covid-19 pandemic. * Remortgage market holding firm New remortgage activity is down but completions and pipeline cases are up since the coronavirus lockdown was announced on 16 March, according to analysis from conveyancing solutions provider LMS. * Second charge mortgage lending up in February 2020 The number of new second charge mortgage agreements reached 2,435 in February, a monthly rise of 13% and an annual increase of 18%, figures from the Finance & Leasing Association (FLA) show. * BTL product choice rapidly shrinks due to Covid-19 The Covid-19 pandemic has impacted the choice and cost of deals in the buy-to-let market over the past month, according to Moneyfacts UK Mortgage Trends Treasury Report data, not yet published.FINTECH
* Castle Trust chooses DPR for savings platform Savings and lending banking technology provider, DPR, has partnered with Castle Trust to provide it with a savings origination andservicing platform.
* e.surv extends its ‘Remote Valuation’ solution As part of an ongoing strategy to support the market through the current Covid-19 crisis, e.surv, the UK’s largest residential chartered surveyors, has extended the deployment of its tailored Remote Valuation solution. * TSB launches ‘live chat’ to help customers impacted bycoronavirus
A Smart Agent function has been launched by TSB on its website so customers can conduct a live chat by asking questions and receiving answers ‘live’ from the bank's employees. * PSL achieves £60 billion of assets under management Following the sustained growth of Phoebus Software Limited (PSL), the balances of loans and savings serviced on the Phoebus servicing platform have now increased to over £60 billion.MFG AWARDS
Mortgage Finance Gazette Awards 2020 – the winners and why they won? 10th December 2019 Leave a comment1,938 Views
The Millennium Gloucester Hotel in London was the setting for an informal gathering to celebrate the Mortgage Finance Gazette Awards2020
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