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You
should aim to get at least three quotes or you could be overpaying by
thousands of pounds.
And definitely don’t allow your “trusted” bank
to fool you into accepting their mortgage – or your existing
mortgage lender if you are remortgaging.
Unfortunately the days of loyalty to long-standing customers are long
gone. Even if you are offered a “special loyalty rate” always
get a comparison with other products.
The easiest way to get several quotes is by asking an independent mortgage
adviser to help you. But make sure they truly are independent (see the
different types of UK mortgage advisers).
OK To get started
Browse the navigation links or just jump straight in by checking out your
UK Mortgage
Basics
Or if you are looking to remortgage the Remortgaging
Guide
Thank you for your visit and good luck with finding your best possible
mortgage.
Ed Parry
Former Mortgage Idiot – who decided to get wise
****
UK Interest Rates
Latest Update
Interest
Rate Update 30/4/2012
Current UK Interest Rate: 0.5%
UK Interest Rates Forecast: Rates likely to remain below historical
averages
Is It Time To Reconsider Trackers?
The Bank of England's Monetary Policy Committee meets next week for its
monthly rate-setting meeting. While the future of the quantitative easing
programme may be up for discussion, on thing that is virtually certain
not to change is the Bank Rate, which has been set at 0.5% for more than
three years.
The prospect of a Bank Rate rise has gradually receded over the last
year and now seems very unlikely in the near future. City analysts now
expect the Bank Rate to remain unchanged until at least the end of 2013
– although such predictions are never entirely reliable.
Despite this, it could mean that tracker mortgages become more popular
choices with home buyers once more. Tracker rates are currently looking
very attractive, with the cheapest deals offering a rate of just 2.3%
above the base rate, giving a current rate of 2.8%.
The other obvious alternative is a five-year tracker, which should give
you fixed rate security beyond the point at which rates are expected to
rise. The best five-year fixed deals currently offer rates around 3.6%
- 4%, highlighting the extra cost of the security they provide.
Five-Year Fixed Rates Fall
The average rate on a five-year fixed rate deal has dropped from 5.59%
1 year ago to 4.86% today, according to new figures from MoneyFacts.co.uk.
Demand is likely to rise for these attractive fixed rates following the
SVR increases due to be implemented in May by many big lenders, as we
reported last week.
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UK MORTGAGE INTEREST RATE FORECASTS
UK House Price Forecasts
and Predictions Latest Update
House
Price Update 30/4/2012
Current UK House Prices Situation: Price growth driven
by south
UK House Prices Forecast: North-south divide
likely to continue
House Prices Up 0.1% In April
The latest house price survey from Hometrack recorded an average house
price increase of just 0.1% in April, down slightly from 0.2% in March.
This leaves the annual rate of change at -0.9%, a marginal improvement
on the -1% recorded in March.
London house prices saw an average increase of 0.3%, while house prices
in the North of England fell and those in the Midlands remained unchanged.
Data for the Hometrack survey is collected through a questionnaire completed
by estate agents covering every postcode in the UK, on the same day each
month. Although it is not as precise as surveys using statistical data
on house sales, the Hometrack survey provides a very fast and direct view
of market conditions and does have a reasonably good track record of accuracy.
April's findings confirm what we have seen so far this year; that while
price growth continues in London and the south east, weak house price
performance elsewhere in the UK is pulling down the average and leaving
it largely unchanged from month to month.
House Prices To Rise 3% In 2012
A new survey has suggested that house prices may rise by an average of
3% in 2012.
The latest Assetz house price survey – which combines the results
of a number of other leading house price indices – found that house
prices have increased by 3% since the end of 2011, thanks in part to a
30% surge in mortgage approvals in February, as buyers sought to do deals
and complete before the end of the stamp duty holiday in March.
Commenting on the figures, Assetz chief executive Stuart Law said:
"We feel that our estimate of a 3 per cent rise in UK house
prices for the whole year of 2012, which was at the top of the range of
forecasts, could be comfortably achieved."
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