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Rent to Buy, why?
I had dinner in early 2008 with a man who was a retired builder, he told me about the way he used to do business back in the 70's, and ...
tracker & variable rates
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 ...
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 ...
Will Specialist or Sub-Prime lenders be better off?
With the news coming out daily about prime lenders facing higher and higher impairment charges it begs the question of who will do bett...
How To: Get a better rate from your bank
Banks are not lending as freely as they used to and for many borrowers obtaining credit is harder than ever, the people who already hav...
The different types of interest rates available for mortgages
By regulation lenders must publish APR's as well as the interest rates on mortgages. APR's take into account all of the costs associate...
Is a tracker better than a fixed rate?
This is a question that was put to me recently, it made me grin on several levels, firstly because the mainstream public still don't fu...
Mortgage Rates
Mortgage rates are normally described as a percentage, be it 5% or 3.98% the important thing to remember is that it merely interprets t...
The stage is set for Euribor Trackers now that ECB ones are gone.
The market recently witnessed the death knell of the last tracker available, it was Leeds Building Societies high margin ECB + 2.2% off...