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Mark Lofthouse Mortgage Brain

Mark Lofthouse: Mind the LTV rate gap

Current research into mortgage product data has revealed that the gap between the interest rates at different LTVs for the same type of mortgage is continuing to rise – and in its most extreme case, has more than doubled. But what’s the story behind the figures and what does it mean for borrowers?  Every quarter, […]

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Finlay re-elected

Brokers say scores from credit rating agency Experian are misleading potential borrowers by rating them as ‘excellent’ when their credit history shows otherwise. Firms say clients are obtaining ‘excellent’ ratings from Experian when they may end up being turned down for a mortgage, due to factors such as defaults or county court judgments. Perception Finance […]

Christmas financial pressure
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Why do we put ourselves under so much financial pressure at Xmas?

According to the Office for National Statistics, UK retail sales during the run up to Christmas rose by 0.3 per cent this year. It does not sound a lot but every year the figure increases. As expectations for the latest gadgets or games console grow, so do stress levels in parents desperate not to disappoint. […]

Leader: Our Xmas wishlist for 2014

This is our final issue of 2013, a year that will go down in the annals of the industry as the year the UK mortgage market finally got back on its feet. The defining story of the year has been the Government’s Help to Buy scheme, abetted by the Funding for Lending Scheme. Cheap money […]

Burnett: what needs to happen for value to start performing again?

Value stocks have significantly underperformed growth stocks in Europe in the past decade. However, Rob Burnett, manager of the Neptune European Opportunities Fund, believes we are now approaching an inflection point. Watch the video below to find out more. In the video, Rob discusses: How low inflation and loose monetary policy since the global financial […]

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