Author Archives: Guest Author

Everything You Need To Know About Buy To Let Mortgages In One Simple Article!

Most banks are not keen on borrowers renting out any part of their property when they have a mortgage unless it is a specific mortgage called a buy to let. The buy to let mortgage means that you have more protection too. Continue reading

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So Why Are Banks Still Withholding Lending When the Commercial Property Market is Finally Growing Again?

Some new figures show that the commercial property market in the UK may finally be stabilising. After some difficult years, demand for commercial premises is increasing whilst values may be set to rise. However, a sharp reduction in the number of lenders offering commercial mortgage finance has meant that many businesses are still struggling to raise the cash they need to buy commercial premises. Continue reading

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The Epicentres for London Property Price Increases in 2011!

There can be no denying the fact that London is one of the greatest cities in the world, which in turn makes it property some of the most sought in the world, for both foreign and British citizens. Throughout the credit crunch and recession, the London property market remained stable with no price drops and little or no price rises on the whole. So which areas of London are the hotspots? We take a look with the help of property website FabricProperty. Continue reading

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So Then, Where Are House Prices and The Market Heading in the Next Few Years?

So after years and years of waiting and saving those much needed pennies, you’ve finally found your perfect home. Not only that, but you’re now living in your perfect home, its well and truly yours. With pride bursting from every inch of your person, the last thing you want is someone to rain on your parade. And then along comes the thunderous cloud of the recession. That’s probably an understatement too, how about we call it a recession that’s causing your little pride and joy to be rapidly devaluing. Continue reading

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The Top 5 Renovation Projects That Will Add Value To Your House & Home.

The current UK housing market has been grabbing all the headlines recently for all the wrong reasons. While the government tries to encourage social morale, there is no debating that the housing market is still in the doldrums. It has therefore never been so important to get the best value out of your property by making some home improvements. This way, homeowners are able to enjoy a better quality of living until the right market emerges for them to sell. Whether you are looking to make small but significant improvement or larger renovations, this list will give you some of the best tips and advice. Continue reading

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Which Makes More Financial Sense, a Remortgage or a Secured Loan?

While a remortgage is in fact a form of secured loan, the two terms shouldn’t be confused. Remortgages and secured loans do have quite a few significant differences which you should be aware of, especially if you are considering obtaining one. The most basic difference is that a remortgage usually costs much less than a secured loan in terms of interest charges, although we’ll delve deeper into these differences later. Determining which option is best for you though depends entirely on your personal circumstance, so our aim here is to try and clarify some of the main points you must take into account. Continue reading

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The UK Property Hotspots, Where House Prices Just Keep Going Up Up Up!

Since the credit crunch and recession began in 2008, the UK property market (not including London) has been one of, if not the worst affected sector in the UK. A confluence of factors have led to a damaged market, the historic 0.5% base rate and low levels of mortgage lending are the main culprits, so say most experts. With sellers trying to move house before the traditional Xmas quiet spell in the housing market led in October 2010 to the largest monthly drop in three years for house prices, data from the Property Price Index at the Land Registry. This trend carried over to November with new sellers offering their property 3.2% lower than the asking price to get rid as soon as possible. Continue reading

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Which Is More Advantageous, Buying or Renting A Commercial Property For My Business?

Whether to buy or rent your commercial premises is likely to be one of the biggest decisions you will make in business. Whether you need a warehouse, office or factory, your premises are likely to be your biggest outgoing. So, it is vital for the success of your company that you make the right decision about renting or buying. Continue reading

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Struggling First Time Buyer? Have You Considered A Shared Mortgage? Here’s What You Need To Know…

The last 20 years has seen a huge increase in property values, meaning that many first time buyers are unable to get onto the property ladder in the traditional way. This has led to them finding new ways of buying a home. Continue reading

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Remortgage Now While You Can, Or As Inflation Rises You Could Soon Regret It!

The Bank of England have been talking around interest rate increases again after recent news of inflation increasing – it is now reported to be at a whopping 4% which is the highest in a long time. And the reason is the rocketing costs of consumer goods and fuel. With all of the recent financial changes, many borrowers are unsure if now is a good time to remortgage. Continue reading

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