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Important news about interest-only mortgages

2 May, 2013

Lots in the news today about interest-only mortgages. The Financial Conduct Authority has published its research into consumers’ ability to repay these mortgages when they mature. The findings show that many people should be in a good position to repay their mortgage when it is due for repayment. However many borrowers, particularly those whose mortgage… Read more »


Halifax makes changes to its product range

1 May, 2013

Halifax has made the following changes to its product range: The lender will pay the full balance of the 1% Stamp Duty Land Tax for First Time Buyers (FTB) where the property purchase price is between £125,001 and £250,000. This equates to a cashback of between £1,250 and £2,500 on selected products. For more information… Read more »


Concerns over Government’s intervention in the mortgage market

30 April, 2013

The Chairman of the Council of Mortgage Lenders Nigel Terrington has highlighted concerns that the Government’s intervention in the mortgage market could amount to no more than throwing money in the wrong direction. He is quoted as saying: “My concern is that as a country, we are throwing considerable monetary and credit easing at the… Read more »


Buying a property ‘back in reach’ for first time buyers

29 April, 2013

A piece in today’s Daily Telegraph talks about how there are signs that more first time buyers are looking to buy their own homes, five years after the crash in the mortgage market. The number of first-time buyers increased by 3% in February, making it the best start to a year since 2008. Mortgage availability is… Read more »


Funding for Lending Scheme to be extended by a year

25 April, 2013

It was announced this week the the Funding for Lending Scheme is to be extended by one year. Launched in July last year, the FLS was designed to incentivise banks and building societies to boost their lending to the UK real economy. The extension has three main objectives: 1) Give banks and building societies confidence that… Read more »


Concern over Help to Buy

23 April, 2013

There is concern that the Government could face ‘large losses’ under its Help to Buy scheme because it has failed to take into account the “unintended consequences” of the scheme. The Treasury Select Committee’s Budget 2013 report, expressed concern that the Treasury now has an active role in the mortgage market and a vested in interest… Read more »


Increase in properties purchased through Right to Buy

22 April, 2013

The number of council homes bought in London under right-to-buy has soared for the first time in a decade. In all, about 700 council homes were bought in the last year, more than double the previous year, figures reveal. Sales are set to rise further after Chancellor George Osborne announced in last month’s Budget that… Read more »


We have just passed Mortgage Freedom Day

19 April, 2013

This week saw Mortage Freedom Day (April 13th), the point of the year when homeowners have earned enough to cover their mortgage payments. At the same time, City AM pointed out that the equivalent date for people renting is a whole month later, putting owning a property into perspective. According to Zoopla, for 90% of… Read more »


Positive story about Help to Buy

19 April, 2013

According to a new study, home owners believe the value of their homes is rising for the first time in three years. The Knight Frank and Markit Economics House Price Sentiment Index found that 11% of property owners thought the value of their home had risen over the past month, while 9.9% thought it had… Read more »


First time buyers – rise in loans with best start to year since 2008

16 April, 2013

According to the Council of Mortgage lenders, 2013 has seen the best start to the year for first time buyer loans since 2008. Figures show that 32,000 loans were advanced in January and February, up 21% on last year. Click here for the full story.


Censeo Limited is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. Censeo Limited is registered in England and Wales, company registration number 06453977, the Registered Address 11b Newton Court, Pendeford Business Park, Wolverhampton, WV9 5HB.

We will charge a broker fee of between £295 and £495, payable on application. The amount we will charge is dependent on the amount of research and administration that is required.

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