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First And Last

I took out my first mortgage in 1983 when I was 18. The house I wanted to buy cost 12,500 and I had saved a 50% deposit. But Halifax refused my application as I hadn’t saved with the society.

I was advised by my estate agent to see its inhouse mortgage broker who found me a Cheltenham & Gloucester mortgage. This was my introduction to the benefits of brokers and had a huge effect on the rest of my career.

My last mortgage was taken out in March 2005 when I bought a home in Spain. I got a 70% loan through Spanish bank, Bankinter. It took less than seven days to complete from first contact.

The bank valued the property at 100,000 more than the purchase price and lent on this. In England they always lend on the lower of the valuation or purchase price so this was refreshing.


Letting agency uses online technology

Landlord Mortgages has launched, a letting agency for landlords and tenants. combines online technology with traditional property management. Landlord Mortgages says many landlords are unhappy with the service they get from high street agencies. organises minor repair work on a landlord’s behalf and assists with ensuring that the property meets all legal […]

Question mark over future of Foxtons

Questions arose last week about whether estate agency Foxtons and its brokerage arm Alexander Hall would float on the London Stock Exchange or sell to a rival estate agency. Alexander Hall confirmed last week that it is in the early stages of preparing to float on the LSE. The two firms’ parent company Heven Holdings […]

DCLG approves RICS for HCRs

The Department for Communities and Local Government has approved Royal Institution of Chartered Surveyors to regulate those members who wish to carry out home condition reports as part of the government’s proposed Home Information Packs.Steven Gould, RICS director of Professional Regulation and Consumer Protection, says: “We are delighted to be able to provide this new, […]


Dear Delia My client is a buy-to-let investor who would like to buy property at short notice. He needs 2m to buy eight flats in a 12-flat block that are being sold as a job lot. He wants to raise the capital swiftly. He has a number of buy-to-let mortgages with a range of lenders but has never been able to get a mortgage through in less than three weeks. Which lenders provide finance more quickly?

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White paper — Qatar International Insights

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