If we must have a banking enquiry then make it cheap and fast. I should state from the outset that I am against a banking enquiry if it is the '9/11 style public enquiry' it was originally billed by... Continue reading
How much of a deposit do I need? When making a mortgage application this is a question that many first time buyers want to know, how much money do I must I have for a d... Continue reading
Retarded banking policies Banks allowed their commercial teams to make a really big mess which the nation now has to clean up, the mess wasn't on the residential... Continue reading
NAMA uncovered Yesterday the National Asset Management Agency (NAMA) legislation was brought out in the Dail (that's the Irish Government buildings fo... Continue reading
Understanding why mortgage rates MUST rise. We have been saying for some time that interest rates on mortgages must rise, you can look at supply and demand, or you can look at the... Continue reading
Get ahead of the curve on fixed rates… Oops! Too late! We have been touting fixed rates for quite some time on the basis that people needed to fix at the time rates were heading for historic... Continue reading
Bank of Scotland cut back on LTV’s Bank of Scotland recently announced that no longer will support an applicant seeking to borrow 90% for a newly constructed, or second h... Continue reading
Recapitalised banks ‘cherry picking’ applications. The only banks that are truly 'open for business' are those that have received state funding, and this is on both sides of the book. O... Continue reading
Generic overview of the market 2009: by sector I was asked by a colleague in the UK to provide an overview of the Irish mortgage market, he has often advised the Bank of England in t... Continue reading
Approval in Principle, the flaws. Our firm are witnessing a conundrum in the market which is causing both clients and the broker a huge amount of heartache. It is that ... Continue reading