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“Stig’s grandfather makes a surprise appearance at Thruxton.”

Alan RichardsSource Software


High LTV new lending drops below 2% in Q1

The proportion of new lending over 90% LTV fell below 2% in Q1 for the first time since the beginning of 2010. The Financial Services Authority’s mortgage lending data re-leased last week shows new lending over 90% LTV dropped from 2.2% in Q4 2010 to 1.7% in Q1 2011. But Ray Boulger, senior technical manager […]


As rentals rise let us learn from Europe

With a recent Halifax study reporting that two-thirds of 20 to 45 year olds believe they have no prospect of buying a home, the focus on first-time buyers and their difficulties continues to hit the headlines. The market share for first-timers decreased for the second consecutive month in April. The average age of a first-time […]

Lenders should have guts to find solution for the self-employed

After reading ’Brokers abusing B2L for self-cert clients, says FSA’ on Mortgage Strategy Online I was surprised that the industry did not see this coming. Was it not obvious to any self-respecting industry expert when self-cert was killed off? Self-cert existed for many years and lenders were happy with their margins and arrears books. There […]

Diversified cashflows are key

Dividends are under pressure in some areas: but reliable yields can still be found. So says Adrian Frost, manager of the Artemis Income Fund, in conversation with Lawrence Gosling.


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