Disintermediation – can you beat the banks with alternatives? Banks take money from depositors, lend it to borrowers and keep the difference between what they pay the depositors and what they lend ... Continue reading
Mortgage to rent in as bad a shape as the mortgage market I think Ciaran Lynch hit the nail on the head when he said the 'mortgage to rent' scheme risks 'becoming a flop'. The issue here comes ... Continue reading
AIB tightening criteria? Are banks really lending? In recent days the IBF came out with a very positive story about how mortgage lending has increased year on year for the first time sin... Continue reading
The 3 tools in a bankers box. Banks have three tools (and no, it isn't the CEO, Chairperson and Secretary!) in their box for getting into good health: 1. Operationa... Continue reading
Banks are lending (while standards tighten) I often complain that banks are 'not lending', they say this isn't true. The Central Bank then says that lending criteria is tightening... Continue reading
Mortgage writedowns occurring, but how much? We often hear that banks are writing down mortgage debts, but then the lenders themselves say 'this isn't happening'. For such a large ... Continue reading
Mortgage interest relief set to end, but is it worth it? Mortgage interest relief 'tax relief at source' or just 'trs' is a credit available to first time buyers who purchase their first home ... Continue reading
To buy or not to buy… We are constantly asked 'is now a good time to buy' and the answer as always is 'that depends'. It depends on what you are hoping for, ... Continue reading
Bank rates, onwards and upwards… Something that is interesting is how people are amazed that banks are jacking up interest rates at a time like this... In fact, it is p... Continue reading
DEAR CLID This is a useful little acronym in accountancy, you may well learn it when studying financial accounting. It has to do with how you eit... Continue reading