• Money Market News

    Money Market News

    Rates as at 29th September 2014: Bank of England Bank Rate: 0.50%, 3 month LIBOR: 0.56%, 2 Year Swap: 1.27%, 5 Year Swap: 2.04%, £1 = 1:62 USD, £1 = 1.28 EUR

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  • The implications of mansion tax

    The implications of mansion tax

    This week’s pledge by Labour to introduce mansion tax will hit the Carsons of this world rather than the Lord Granthams, according to Nick Leeming, Chairman of national estate agents Jackson-Stops & Staff.

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  • The UK Housing Market – Autumn Prospects

    The UK Housing Market – Autumn Prospects

    Gregory Besterman, Partner, Head of Residential at Carter Jonas, advises “It is important to focus the minds of our clients and potential clients that, with a General Election in May 2015, anyone who wants to move before June 2015 should seriously consider marketing now, rather than exposing themselves to the potential damping down which so often accompanies a General Election campaign.”

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  • The Sales Process; The 12 Step Journey

    The Sales Process; The 12 Step Journey

    Tim Page-Ratcliff, Partner at Strutt & Parker, has written a 12-point guide to managing the sales process, selling your current property quickly and for the best price. We think it’s a very useful article and reprint it here in full for the benefit of all our clients.

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  • What price a good education?

    What price a good education?

    With the price of private education rising on average by 6% per annum over the last few years, perhaps a move to an area with high quality secondary school education has become part of your financial planning? You will probably be aware that homes near good state schools in England command a significant price premium.....

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  • Intergenerational mortgages – a sign of the times?

    Intergenerational mortgages – a sign of the times?

    If you want to help your child or relative buy a home, there are several financial products you can consider if you don’t have enough savings to lend them as a deposit. These include guarantor, joint and family offset mortgages. Read on to see how we recently helped a father and son arrange an intergenerational mortgage.

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  • Is the UK mortgage market in danger of being effectively nationalised?

    Is the UK mortgage market in danger of being effectively nationalised?

    There is a danger of removing underwriting expertise and therefore differentiation between lenders, thus reducing competition in the UK mortgage market. The “nationalisation” of a vital part of the economy might seem a strange policy for a Conservative government, but then it does already own a substantial part of the UK mortgage market via UKFI’s shareholdings in UK mortgage lenders. Is the Government now looking to control the rest of the UK mortgage market through policy instruments such as maximum income multiples and quotas?

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

© Private Finance Limited, 2014. Private Finance is an independent mortgage advisor that advises on and arranges bespoke mortgage solutions for clients. Private Finance is a trading style of Private Finance Limited, 21 Bedford Square, London WC1B 3HH, registered in England no. 3855776. The Partners are members of Private Finance Associates LLP registered in England no. OC357301. Credit broker fees of up to 1% of the amount borrowed may be charged depending on the type of product. Advice is provided by Private Finance Limited. Private Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA registration number 310566).

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