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Home & Capital appoints new chief executive

Home & Capital Trust has appointed Graeme Marshall as its new chief executive.

Marshall has already had experience of running Home & Capital managing director between 1998 and 2003.

In October 2003 he resigned to develop Sovereign Reversions, financing elderly homeowners through equity release. Marshall remains the chief executive of Sovereign, which acquired 100% control of Home & Capital Trust three months ago.

During his period of absence from its management, Marshall remained involved with Home & Capital as its representative on the board of Safe Home Income Plans, since 1999.

As Chairman of SHIP’s home reversions board, he helped the campaign for regulation of home reversions, which will now be regulated from April 2007.


ARLA predicts buy-to-let stability

The Association of Residential Letting Agents has predicted that the fundamentals of the buy-to-let market will remain unchanged following yesterday’s base rate rise to 5.25%.In the final ARLA quarterly review and index for 2006, more than eight out of 10 investment landlords were reported as saying that they would not sell their property investments even […]

Buy-to-let default ratios outperform expectations

Fitch Ratings says default ratios on buy-to-let properties are performing better than expected. Charlotte Eady, associate director in Fitch’s RMBS performance analytics team, adds: “Recent headlines have suggested that buy-to-let properties are experiencing higher default ratios than in previous years and are accounting for a significant proportion of repossessions. However, this contradicts the surveillance data […]


Swaps have posted significant increases since the start of December. Short-term rates are up about 0.25% and longer term swaps are up almost 0.3%. I expect to see fixed rates increasing sharply over the coming weeks so get cracking with any fixed rate applications.

Gearing up for a competitive year

The end of one year and the beginning of the next is always an interesting time in the mortgage world as lenders’ thoughts turn to hitting the targets in the new year.

Creating opportunity out of change

By Denise Wond, marketing manager The buy-to-let market has recently been the subject of a raft of tax changes, all of which make it a less profitable and less appealing proposition for investors. In response, we’ve seen a dip in demand for BTL mortgages and that’s bad news for many advisers who will now be looking […]


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