September 10, 2023
BTL Gaming, what is it?
A term you may or may not be familiar with is BTL Gaming. What is it? Can you do it? Should you do it? The short answer to the last two questions is no.
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August 22, 2023
How does a valuer determine the value of your home?
How does a valuer value your home? I get that type of question a lot. Many people ask because they don't believe a valuer has got it right. So how do they come to a particular figure?
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August 21, 2023
Private landlords are downsizing
Some grim news for renters is that around 40% of private landlords are downsizing their portfolios according to recent research. Market conditions resulting in unfavourable tax along with interest rate rises and other concerns are making it more difficult.
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August 9, 2023
Being a co-borrower on mortgage with child
What are the downsides of being a co-borrower on a mortgage with you child. Is it advisable? That's a question posed by a visitor who understands the obvious risks but wanted another opinion.
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July 25, 2023
Financial Ombudsman's view on setting upper age limits on lending
I have written previously around the maximum age it is possible to have a mortgage. some lenders are more flexible than others but the Financial Ombudsman Service has published more information that is telling lenders to be flexible.
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May 16, 2023
What happened to the mortgage affordability stress test?
The Financial Policy Committee, part of the Bank of England held a consultation with a view to removing the requirement to stress mortgage rates to ensure robust affordability testing. They determined it was no longer needed. So why are lenders still using it?
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