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The Basics of Stamp Duty

Stamp duty is a tax that has existed for hundreds of years in countries with English law. It is essentially a tax that is levied on documents. Historically, the documents were stamped as evidence that the duty had been paid.…

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First Home Owners Grant

In the year 2000 the Australian government introduced a scheme to help first time buyers get a foot on the property ladder. The First Home Owners Grant (FHOG) is a lump sum payment awarded to Australians who qualify for the…

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Can I Still Buy a Home With No Deposit?

No-deposit home loans may seem like an impossible dream in this market. Current conditions for borrowers and for lenders may appear tight when you read all the headlines but the world has not stopped. Before the Global Financial Crisis no-deposit…

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All About the Bank Bail Out – Part 2

In the UK the credit crunch firmly wrote itself into the history books when one of the largest mortgage lenders in the country – Northern Rock – was nationalised. The nationalisation of the bank was undertaken by the government to…

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All About the Bank Bail Out – Part 1

The phrase “credit crunch” has been firmly etched into the history books thanks to the countless media stories circulating around the globe over the past few years. The phrase has been coined to summarise into a few words the massive…

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The Future For Mortgage Brokers – Part 4

The independent mortgage broker industry in Australia is still young and should prosper again after the credit crunch. The industry is yet to fall under a national regulatory body in order to give it credibility, however this is planned. When…

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Is Buy-to-Let Still a Good Investment? – Part 2

Future millionaires were abandoned by the thousand by both mortgage lenders and the property courses that had previously filled their heads full of dreams. While buy-to-let mortgage products were disappearing from the lenders’ best buy tables the various courses and…

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The Future For Mortgage Brokers – Part 3

Unemployment is certainly a statistic that prudent mortgage brokers should keep an eye on during the coming year and beyond. Recent dramatic decreases in the Bank of England Base Rate will hopefully provide some sort of relief for businesses that…

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The Future For Mortgage Brokers – Part 2

Estate agents, magazines, newspapers, websites, and even mortgage brokers were enticing people to buy almost any property they could get their hands on citing extraordinary historical capital growth rates as a basis for expecting the same growth in future years.…

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Adverse Credit Mortgage Investors Seek Help

Major financial institutions which hold billions of pounds in mortgage backed securities have been watching mortgagors default on their home loans in record numbers in recent times. Surprisingly these investors have not shored up their defenses against the rogue borrowers…

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Time Heals All Wounds

The current mortgage and loan market has undergone a period of turmoil recently that has been felt all around the world. The full damage from the fallout from the turmoil has yet to be assessed and this is partly because…

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Mortgage Lending Hits a New Low

Approvals for home loans in the UK have hit the lowest level ever recorded for a single month. The blame has been set squarely on the credit crunch as lenders are not only finding it difficult to obtain the funds…

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Repackaging Adverse Credit Mortgages

What do you do with a massive package of adverse credit mortgages that no one wants to buy? This is the dilemma facing many financial institutions in the current economic climate. Several years ago it was easy to approve thousands…

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Buy-to-Let Benefits From Market Slowdown

The flagging property market has claimed many scalps over the past year or two. Most notable of these are specialist lenders who opened their doors to borrowers of questionable worth and home owners who have since been issued with repossession…

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Credit Crunch and Self-Certification Mortgages

With the credit crunch forcing lenders to evaluate their loan books and reassess the types of products they offer it would appear sensible to anticipate the demise of the self-certification mortgage. However the market for self-certs remains buoyant as lenders…

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All About Self-Employed Mortgages

There are a growing number of people in our society who choose to work for themselves and are therefore regarded as self-employed. Such individuals may be required to apply for specialist self-employed mortgages when buying a home rather than traditional…

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Self-Certification Mortgage Applications Rise

The attractiveness of self-certification mortgage products is boosting the overall number of home loan applications in the UK. For true self-cert products, the applicant does not need to fully prove their income by way of documentary evidence such as pay…

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Buy-to-Let Booms as Property Market Halts

While the overall mortgage market has slowed in the wake of recent interest rate rises, buy-to-let mortgage lending has surged. This is a clear indication that buy-to-let property investing has returned to favour following a recent period of uncertainty. There…

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Overview of Remortgages

Remortgages comprise a significant and ever-growing proportion of the overall mortgage market. Property owners are always on the lookout for ways to save money, and with remortgages being relatively simple to organise, it has emerged as a popular method for…

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Lenders of Problem Remortgages

There are a growing number of lenders who will consider applications for problem remortgages. This is an indication of the growth in the market for home loan applications from borrowers with non-standard credit histories and financial situations over the past…

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An Unlikely New Mortgage Market

Much has been written about the sub prime mortgage crisis in the US and even more has been said. Most analysts placed the blame for the implosion in the credit market on the adverse credit mortgage. This is a type…

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All About Adverse Credit Remortgages

In recent years, adverse credit remortgages have become a popular choice for people seeking to refinance their property who suffer from impairments to their credit files. Regular high-street banks will usually not refinance your property if you have a poor…

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Hedge Your Remortgage

What a great life it would be if we could predict future interest rates. Imagine being able to wait it out on your remortgage until such a time as interest rates dropped by several percentage points, just as you knew…

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