Mortgage Lender Inefficiency and Housing Market Failure

One of the curious aspects of landlord behaviour is a failure to look beyond the initial mortgage rate deal terms. And comparison sites don’t help as they rarely say what the follow on rate is once the initial attractive deal period ends. I have seen many mortgage deals recently where you will see some great headline rate – but it’s […]

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Government Policy on the Private Rented Sector is Not Joined Up

Sometimes government policy doesn’t seem to join up too well – with different policies apparently conflicting with each other. Two good examples are (1) the lending activities of state owned banks which appear to hamper what local councils are trying to do with their private rented sector access schemes, especially lease schemes and (2) policies on HMOs which appear to […]

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Landlords Still Wait for Advice from Buy to Let Mortgage Companies

Mortgage companies writing buy to let mortgages could do more to reduce the possibility of future arrears. It is a subject that we have written about extensively before at this blog, not least because the activities of the lenders exasperates not just would be borrowers but also mortgage brokers who often find many of the activities of the lenders hard […]

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The Future for Buy to Let Loans and Mortgages

Whilst one or two new lenders have appeared on the blocks in the last quarter of 2010, the overall picture of availability of mortgages in the world of buy to let lending still looks pretty subdued. It is not so much the level of interest rates (which are low by historic standards) that is the problem. Rather, it is the […]

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Local Housing Allowance Concessions Likely and Innovative Thinking Sought from Lenders

I hope you are not too bored by our coverage of the Housing Benefit story. If you are an organisation or public body and are providing / selling services or products to the private rented sector, you should still be riveted because it has big implications for the whole market. Even if you are a landlord who never lets to […]

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