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Housing dysfunction
There are some who are saying that there are amazing deals to be found in the current market and if you consider price only then you ma...
mortgage brokers
First Active set to close.
It was announced yesterday that First Active is going to close operations in Ireland. This will start with 750 job losses coming into e...
Beware the Contract/Valuation trap
Our firm has seen a rise in what we describe as the Contract/Valuation trap, so we will tell you what it is and how to avoid it as well...
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...
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 ...
Survival of the weakest, only in Ireland.
If the State can't organise a bailout effectively then what hope have they of running a bank? A simple and yet profound question: if th...
Bank of England cut rate from 2% to 1.5% the lowest since 1694
Only a two days ago I wrote about the Bank of England considering a move to the lowest interest rate in the history of their central ba...
The ‘Crunch’ is nearly over, but what lies in its wake?
The Euribor 3 month money is at 2.822% which means the margin on interbank money is now at 0.322% (the current base rate is 2.5%) over ...
New trends in underwriting and credit
It is 2009 and one of the things we need to look at (at least from the mortgage market perspective) is the availability of credit. Many...
What stimulus is there after a 0% rate?
There are generally two strands to monetary stimulus, firstly there are interest rates, and then there is the actual money supply. We'l...