Guy Anker

Cover feature: Is the softening housing market just temporary?

With data and opinion both conflicted on the health of the mortgage market, is lending really heading downhill or on a longer-term path to growth? The mortgage market has had a turbulent 2017 so far and, at the half-way mark, many think it may have to withstand further storms. New-home transactions are down, appetite for […]

Cover feature: Are house prices heading for a fall?

Momentum is suddenly against the housing market but experts disagree on whether this is a natural adjustment or will lead to a bigger slump in property values The north-south divide in the housing market is well known but it has undergone a dramatic shift in recent months. No, London has not suddenly become cheaper than […]

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Cover Feature: Has the sub-prime fallout led to overcautious lenders?

Are regulators and lenders so determined that the market won’t fall back into its old sub-prime ways that they have become too cautious, to the detriment of consumers? It is a decade since the foundations of the mortgage market crumbled, leading to the credit crunch. Ten years on, with lending criteria far more rigid, ironically […]

Lifetime Isa

Cover story: Will the Lifetime Isa be too slow off the mark?

Banks and other product providers are shying away from Lifetime Isas amid fears that they are too complex and could lead to misselling The curtain is raised on the Government’s latest crusade to aid first-time buyers this week, but many fear Lifetime Isas will not offer anything like the helping hand this group needs. For […]

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Which way for mortgage rates in 2017?

Following an avalanche of rate cuts, the mortgage industry should brace itself for a possible upward turn as lender costs and inflation rise, experts advise The trend for mortgage rate cuts is coming to an end and both brokers and clients should prepare for hikes this year, according to industry experts. Meanwhile, lending giants including […]

What are the headwinds facing the market in 2017?

After last year’s political and economic upheavals, will anyone listen to the experts’ predictions for 2017 and can the market withstand any more stormy weather? Predicting the trends that will shape the UK mortgage market tends to be more of an art than a science, particularly in the wake of 2016, a year that confounded […]

Hope at last for first-time buyers?

Will the chancellor’s promised investment in new homes bring the first rung of the housing ladder within reach for FTBs? The struggles of first-time buyers are well known and, seemingly, enduring. The latest projections for the potential class of 2017 straining for a foothold on that precious first rung are pessimistic. That outlook has been […]

When will lenders get to grips with short-term lets?

As internet-fuelled short-term letting gains popularity, will lenders get on board with ‘Airbnb mortgages’ or risk having their rules broken by thousands of customers? The Airbnb revolution is upon us, but many brokers say mortgage lenders have yet to get to grips with the rising popularity of internet-fuelled short-term letting. In recent years, many banks […]

Cover feature: Assessing the variables

It may seem a no-brainer to get clients off expensive standard variable rates and on to record-low fixes but not all SVR borrowers are in the same boat While fixed-rate mort­gages are at all-time lows, nearly four million residential mortgage borrowers are sitting on their lender’s standard variable rate, many of them paying more than […]

Is seven-day mortgage switching realistic?

Should the mortgage industry follow other markets and aim for seven-day switching or is this an unrealistic and undesirable goal? The mortgage market is readying itself for quicker switching times following a government consultation on speeding up the process so that remortgages are completed within a week. There is plenty of appetite to improve efficiency […]