• 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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  • The unintended consequences of regulating the mortgage market

    The unintended consequences of regulating the mortgage market

    The UK lending landscape is becoming skewed in favour of property investors and against residential property purchasers, especially in areas of increasing property prices. Recent measures and suggestions from the Government and the Bank of England are likely to create more imbalance, whilst not addressing the major reasons for London property price inflation and the effects that has on the rest of the South East of England.

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  • 1000 miles in 10 days: London to Valencia by bike

    1000 miles in 10 days: London to Valencia by bike

    On the 4th July Simon Checkley, Managing Director of Private Finance, will embark on a 1,000 mile bike ride over 10 days, from his home in Hertfordshire to Valencia, Spain, raising money for the Roy Castle Lung Cancer Foundation and Mind, the mental health charity.

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  • The 5 main benefits of independent mortgage advice

    The 5 main benefits of independent mortgage advice

    The current excess of demand over supply of good quality housing means that well-prepared buyers are increasingly arranging their finance early in the process. Most vendors are confident of receiving several offers, so they can afford to deal only with buyers who are already certain of what they can afford and the source of their finance. All parties involved in a house purchase transaction want the same successful outcome - that the deal gets ‘over the line’ - and an independent mortgage broker can help make this happen.

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  • Money Market News

    Money Market News

    Rates as at 4th June 2014: Bank of England Bank Rate: 0.50%, 3 month LIBOR: 0.53%, 2 Year Swap: 1.16%, 5 Year Swap: 2.07%, £1 = 1:68 USD, £1 = 1.23 EUR

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  • Nice weather for ducks

    Nice weather for ducks

    The Private Finance Cycling Team has just returned from riding 80 miles in conditions that were described by organisers as ‘almost biblical’, taking part in the first ever Carter Jonas Yorkshire Pedalthon on 22nd May.

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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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