Market Watch

December 2020 Tomorrow, we will have been operating for three weeks. In this time I can say that I have experienced mixed emotions. There’s been doubt and frustration as well as joy and satisfaction but overall I can genuinely say that the process so far has been extremely rewarding in more ways than one.  Leaving …

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Cladding, selling and mortgages – A match made in…

Cladding, selling and mortgages – A match made in… 28/12/2020 Buy to Let Different types of Valuation Preparing to sell your home this spring In June 2017, The Grenfell fire tragedy shook the country, 72 people died, and hundreds affected. Suddenly, fire safety issues impacting thousands of blocks of flats were exposed. Building controls have …

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Market Watch

October 2020 Starting a new venture should always be a challenge. ​Whether it be business or lifestyle, trying something new should create some level of anxiety but this feeling should, at the same time be outweighed by the immense feelings of excitement.  Having been an estate agent since my early twenties I can confidently say …

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Mortgage payment holiday coming to an end…

11/09/2020 As we move into September many people will be finding their payment holidays coming to an end, be it overdrafts, credit cards or mortgages. With the current economic climate looking turbulent to say the least and unemployment highly likely to rise throughout the rest of 2020 as the government’s furlough scheme finishes at the …

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What does the mortgage market look like for first time buyers?

What does the mortgage market look like for first time buyers? Updated – 03/08/2020 Lenders are reported to have struggled to deal with a flood of applications from first-time buyers. If buyers are unable to climb on to the housing ladder, or even move up with their next purchase, this could reduce demand and exacerbate any …

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Guest post: Your Key Move – A story of how a modern estate agency was built

13/08/2020 Introduction Your Key Move was founded by Carlo and David because they both had experienced poor customer service from estate agents and thought they could do better. They both realised that a large online estate agent is too impersonal and can never provide the local knowledge or customer service required. Equally a local agent can be …

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Lenders tighten up affordability criteria, those who rely on commission hit the hardest.

07/07/2020 One of the most obvious changes we have seen from mortgage lenders is the restrictions on applicants’ income and affordability. Many employees rely on elements of income other than their basic salary, such as commissions and overtime. Lenders will use varying % amounts of additional income an employee receives from 100% to 0%, this …

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Rates are incredibly low, but so is product availability

Rates are incredibly low, but so is product availability 12/07/2020 Two-year average mortgage rates have fallen to new lows, as choice at higher loan to values (LTV) remains limited. Rates now stand at 1.97% on a typical two-year fix, analysis by Moneyfacts. It is the lowest level in a year and compares to 2.49% in …

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