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Royal Bank of Scotland gross mortgage lending up in 2012

4 March, 2013

More good news on the financial front as the Royal Bank of Scotland (RBS) announced that they increased their gross mortgage lending by 9.6% to £16bn in 2012 with nearly 20% of its lending to first-time buyers, Their annual results revealed that the bank advanced £3bn to first-time buyers, while Funding for Lending helped it… Read more »

NewBuy completions rise to 1,522

1 March, 2013

By the end of 2012, 1,522 home purchases had been completed under the Government’s NewBuy Guarantee scheme in England. The main aim of the scheme is to ensure that mortgages of up to 95% can become more widely available on new build homes. The number of completions in the final three months of 2012 was… Read more »

House sales highest in five years, say Halifax

27 February, 2013

The number of 95 per cent loan to value loans has increased

26 February, 2013

it looks like 95% loan to value (LTV) products are becoming increasingly popular again. According to the Building Societies Association, in early summer last year there were about 64 such products available on the market but this has now increased to 87 products available for first time buyers. Much of this increase has come from… Read more »

New stats prove protection providers do pay out

25 February, 2013

News comes to us this week from insurer Bright Grey that protection providers do actually pay out. Looking at their claims statistics from 2012, it seems that 93% of critical illness claims were paid, 95% of life cover claims paid, 96% of the people they contacted used their Helping Hand service and they paid over… Read more »

Fixed rate mortgages at lowest levels

24 February, 2013

According to Moneyfacts, mortgage rates have fallen to their lowest ever since the introduction of Funding for Lending almost 24 years ago. 2, 3 and 5-year average fixed-rate mortgages are now at their lowest since the products were introduced.

Leeds Building Society increases lending

21 February, 2013

We learn that the Leeds Building Society was the latest organisation that increased its lending last year, with nearly one third going to first time buyers. According to the Society’s annual results, new mortgage on mortgages last year reached £1.65bn, compared to £1.23bn in 2011, while net residential lending more than doubled to a record… Read more »

First time buyers are back!

18 February, 2013

A report by the Council of Mortgage lenders indicates that first-time buyer numbers reached their highest yearly total in five years in 2012. The CML said that a total of 216,200 first-time buyers became homeowners in 2012, the first time the annual total has exceeded 200,000 since 2007. 2012 also saw a year-on-year rise of… Read more »

CML – gross buy-to-let lending reaches highest level in four years in 2012

15 February, 2013

According to the Council of Mortgage Lenders, gross buy-to-let lending reached its highest level in four years in 2012. At £16.4bn, it was 19% higher than the £13.8bn advanced in 2011. This form of lending accounted for 11.5% of total gross mortgage lending, up from 9.8% in 2011.

Treasury holding talks looking at improving access to 95 per cent loan-to-value mortgages

13 February, 2013

We note that the Treasury is in talks with lenders and mortgage trade bodies to improve access to 95% loan-to-value mortgages. These will look at mortgage indemnity guarantees on some older properties. For further information on this story, visit the Mortgage Strategy website (click here).

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.

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