Analysis Topic: Housing Market Price trends
The analysis published under this topic are as follows.
Monday, February 25, 2019
Buy-to-let Mortgage Product Choice Reaches Post Financial Crisis High / Housing-Market / Buy to Let
By: MoneyFacts
While the tax and rule changes imposed on the buy-to-let (BTL) sector over the last few years have heightened the pressures felt by landlords – and even forced some from the market altogether – research from Moneyfacts.co.uk shows that the number of BTL products currently available is at a post-financial crisis high.
Today, landlords have the choice of 2,162 buy-to-let mortgages, meaning the number of products has not been higher since October 2007, when 3,305 products were available.
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Tuesday, February 19, 2019
UK Retirement Interest-only Mortgages Start to Take Off / Housing-Market / Mortgages
By: MoneyFacts
It is almost a year since the Financial Conduct Authority (FCA) reclassified retirement interest-only mortgages (RIOs) in March 2018, and despite a slow start, two new providers have joined the sector in the past week, taking the total to 12.
After being regulated under equity release rules and regulations, the measure to make RIOs standard mortgages was introduced in response to demographic and economic changes, and to promote more options for older borrowers who may arrive at the end of their interest-only mortgage term and have nowhere to turn.
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Saturday, February 16, 2019
My Favorite Real Estate Strategies: Rent to Live, Buy to Rent / Housing-Market / US Housing
By: Harry_Dent
Did you read Andrea Riquier’s two articles on Market Watch last year about real estate strategies?Definitely worth it!
The first was “The new housing play: helping priced-out renters become long-distance landlords.”
It was a strategy aimed at people living in unaffordable areas like San Francisco, Los Angeles, Miami, or New York.
Rent in those areas to avoid the high purchase costs and a major bubble burst (when it inevitably comes). Then use your freed-up borrowing power to buy a house in an affordable area where renting for income is more lucrative, and far less risky. We’re talking places with high percentages of single-family rentals, like Detroit, Las Vegas, or Kansas City and a few more listed below.
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Monday, February 11, 2019
UK Fixed Rate Mortgage Availability Reaches Record Highs / Housing-Market / Mortgages
By: MoneyFacts
Moneyfacts UK Mortgage Trends Treasury Report data, not yet published, reveals that the number of fixed rate residential mortgage products currently available at most loan-to-value (LTV) tiers are at a record high, with the number of total fixed rate mortgages available at maximum 60%, 75%, 85% and 90% LTV tiers at their highest levels since Moneyfacts Treasury Reports records began in July 2007.
The total number of residential mortgage products available in the market has increased from 5,181 in January 2019 to 5,214 this month. This puts it 644 products above what it was this time last year, when the total stood at 4,570.
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Friday, February 08, 2019
Intense First Time Buyer Mortage Competition Sees Average Two-year Fixed Rate Fall / Housing-Market / Mortgages
By: MoneyFacts
Despite the Bank of England base rate rise of 0.25% to 0.75% in August 2018, Moneyfacts.co.uk research has shown that the overall average two-year fixed mortgage rate has actually fallen by 0.04% from 2.53% in August 2018 to 2.49% today.
Notably, the average two-year fixed rate at the maximum 95% loan-to-value (LTV) tier has fallen by 0.54% over the same period, while at tiers such as 70% LTV the average rate has increased by 0.14%, indicating that providers may be focusing their attention at the riskier higher LTV tiers.
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Monday, January 28, 2019
UK Mortgages Fixed Interest Rates Gap Falls to the Lowest Since 2013 / Housing-Market / Mortgages
By: MoneyFacts
The mortgage rate war is still very much at hand, with providers across the market attempting to attract new business – and the latest research from Moneyfacts.co.uk can reveal that the rate gap between two-year and five-year fixed rate mortgages has fallen to its lowest level since 2013.
The rate gap calculates the difference between average two and five-year fixed rates in order to gauge the level of competition in the mortgage market. This calculation shows that the rate gap stands at 0.41% today, down from 0.44% on average for the whole of 2018, which in itself marks a fall from 0.57% in 2017 and from 0.64% in 2016.
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Tuesday, January 22, 2019
UK 10 Year Fixed Rate Mortgages Market / Housing-Market / UK Housing
By: MoneyFacts
Borrowers weighing up their mortgage options at the start of the year may find that the typically favoured two and five-year fixed mortgage rates are low compared to recent years. However, amid heightened concern about future Bank of England base rate rises, many could be seeking even further security with their monthly payments.
The latest research from Moneyfacts.co.uk reveals that now could be the time to consider longer-term fixed deals, as the average 10-year fixed mortgage rate has decreased significantly over the past five years, dropping 1.56% to stand at 3.05% today. Not only this but the availability of longer-term fixed mortgages has increased to stand at nearly 10 times what it was in January 2014.
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Tuesday, January 22, 2019
The 5 Rules of Real Estate Investment / Housing-Market / Buy to Let
By: OutreachMama
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Monday, January 21, 2019
UK House Prices, Immigration, and Population Growth Mega Trend Forecast / Housing-Market / UK Housing
By: Nadeem_Walayat
My latest analysis in a series aimed at arriving at a new multi-year trend forecast for UK house prices covers population growth which is one of the key primary drivers for UK house prices which since the Labour government of 1997 natural population growth net of births and deaths has been vastly supplemented by what has amounted to out of control immigration courtesy of Britain's membership of the European Union and the former Labour governments objective for the importation of millions of potential Labour voters from mostly new member states from across an impoverished eastern europe that resulted in near 5 million economic migrants settling in the UK by 2016, mostly in what were already over crowded British cities, thus putting severe pressure on services and infrastructure and the whole housing market as the likes of the rental sector soared with 1 million new buy to let landlords entering the market buying 4 million properties, forcing up house prices across the board where rents in large part are being funded by tax payers in the form of the soaring housing benefits bill.
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Wednesday, January 09, 2019
Are Changing Prices to San Francisco Starter Homes Enough? / Housing-Market / US Housing
By: Harry_Dent
Bubbles ultimately die of their own extremes, although it always helps to have a trigger like the subprime crisis in 2006.But the San Francisco area takes the cake when it come to the U.S. real-estate bubbles! (That Canadian honor goes to Vancouver and in Australia it’s Sydney and Melbourne.)
And prices have started to fall, albeit slowly, despite no slowdown in the economy and only modestly rising interest rates thus far.
Why?
Because of the insanity of home prices there! They’re massively overpriced, especially in the large and critical starter-home market.
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Sunday, December 30, 2018
UK House Prices Bank of England 30% Crash Warning vs Momentum Forecast 2019 / Housing-Market / UK Housing
By: Nadeem_Walayat
This is the next analysis in this series to conclude in a new detailed multi-year trend forecast for UK house prices.
So is a NO DEAL 30% crash in UK house prices even possible let alone probable as the Bank of England forecasts? Lets see what momentum suggests is going to happen in 2019.
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Thursday, December 27, 2018
UK House Prices 2019 NO Deal BrExit 30% CRASH Warning / Housing-Market / UK Housing
By: Nadeem_Walayat
The mainstream media has been busy all year publishing dire warnings of the consequences for NO Deal Brexit warnings emanating out of the Government and the Bank of England the latest of which was the Government warning of a loss of 9% of GDP, albeit as a deviation from trend over 15 years. Soon followed by Britain's central bank, the Bank of England setting forth it's own NO DEAL economic armageddon forecasts, warning of an immediate economic collapse on a scale twice that of the 2008 Financial Crisis. A 25% collapse in sterling, a collapse in GDP of 8%, inflation soaring to over 6.5% and a 30% CRASH in UK house prices.
Tuesday, December 18, 2018
UK House Prices Momentum Forecast 2019 / Housing-Market / UK Housing
By: Nadeem_Walayat
This analysis of UK house prices continues from Part 1 (UK House Prices 2019 No Deal BrExit 30% Crash Warning!) and was first made available to Patrons who support my work. So to get immediate First Access to ALL of my analysis and trend forecasts then do consider becoming a Patron by supporting my work for as little as just $3 per month. https://www.patreon.com/Nadeem_Walayat.
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Wednesday, December 12, 2018
Ways to Improve the Value of Your Home / Housing-Market / Home Improvements
By: Submissions
Property value now seems to finally be rising again, however there are also many ways you can improve this in your own homes. Here we cover ways to improve the value of your home.
Structural problems are always an issue for many homes and can lead to extra expenses down the road. Therefore it is important to identify these at an early stage and get them sorted. This could be done through redesigning the kitchen or bathroom areas. A few examples of regular problems include broken roof tiles, rotten timbers and even cracks in walls. Doors could also be damaged, so upgrading to a composite door would be a good investment moving forward and these are available here.
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Tuesday, December 11, 2018
Making Money through Property Investment / Housing-Market / US Housing
By: Submissions
When it comes to making money, there are various ways in which you can invest in order to get returns. People have their own preferences when it comes to the most suitable investments for them but one type of investment that has always proven popular and lucrative is property investment. Whether you are in it for the short term or the long haul, property investment provides a great means of making money.
People have their own ideas and preferences when it comes to making money from property investments. The great thing about this type of investment is that you can opt long term and short term investments with property. You should think carefully about which of these options is going to be right for you depending on your finances, preferences, and long terms goals.
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Monday, December 10, 2018
First Time Buyer Mortgage Fixed Rates Tumble to Record Lows / Housing-Market / Mortgages
By: MoneyFacts
Moneyfacts UK Mortgage Trends Treasury Report data, not yet published, shows the average two-year fixed rate at max 95% loan-to-value (LTV) is at a record low while the choice of all fixed rate products available at max 90% LTV is at its highest on record.
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Saturday, December 08, 2018
Rising US Home Prices and Falling Sales / Housing-Market / US Housing
By: Harry_Dent
Did you watch my video two Fridays ago? If not, check it out here. I explained how gold bugs are giving you dangerous advice about gold as an investment.But gold isn’t the only investment that people mistakenly make because they’re told the wrong thing.
Real estate is another one.
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Saturday, December 01, 2018
Bank of England Warns UK House Prices 30% BrExit Crash! / Housing-Market / UK Housing
By: Nadeem_Walayat
This week saw the harbingers of the NO DEAL Brexit economic apocalypse set forth their forecasts of what awaited Britain following a No Deal exit from the European Union on the 29th of March. At the top of the doom merchants was the Canadian Governor of the Bank of England warning of a string of catastrophes for Britain where at the top of the doom list was a 30% CRASH in UK house prices. The following graph illustrates what the Bank of England's 30% crash in house prices would look like if it were to materialise post Brexit.
Friday, November 30, 2018
UK House Prices 2019 No Deal BrExit 30% Crash Warning! / Housing-Market / UK Housing
By: Nadeem_Walayat
Within hours of the UK Government publishing it's dire economic forecast of a NO DEAL BrExit resulting in a loss of 9% of GDP, albeit as a deviation from trend over 15 years. Britain's central bank, the Bank of England set forth it's own NO DEAL economic armageddon forecasts, warning of an immediate economic collapse on a scale twice that of the 2008 Financial Crisis. A 25% collapse in sterling, a collapse in GDP of 8%, inflation soaring to over 6.5% and a 30% CRASH in UK house prices. Though it should be noted that none of similar fear mongering pre EU referendum materialised as the UK economy continued to grow on a similar trend trajectory to what it was on as before the EU Referendum BrExit result.
Saturday, November 24, 2018
Key factors to take in to account when buying your first home / Housing-Market / UK Housing
By: Submissions
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