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	<title>Helping Innovate Property (HIP) - Blog, Housing Market News and Articles &#187; Mortgages</title>
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	<link>http://www.hip-consultant.co.uk/blog</link>
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		<title>Time to Consider Buying Your Council Property?</title>
		<link>http://www.hip-consultant.co.uk/blog/how-to-buy-your-council-house-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/how-to-buy-your-council-house-123/#comments</comments>
		<pubDate>Thu, 22 Jul 2010 07:49:53 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Top tips]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=2910</guid>
		<description><![CDATA[The Right to Buy scheme, introduced under the Housing Act 1985, is a great way for council tenants to climb that all important first rung of the property ladder. It allows a qualifying tenant to purchase their council property at a significant discount.
 Tenants who could not otherwise afford to buy their own may find [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/buying-rental-property-to-let-in-2010/' rel='bookmark' title='Permanent Link: Buying Rental Property To Let in 2010'>Buying Rental Property To Let in 2010</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/how-to-buy-properties-at-auction-123/' rel='bookmark' title='Permanent Link: Guide to Buying Property at Auction'>Guide to Buying Property at Auction</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/buying-repossessed-properties-123/' rel='bookmark' title='Permanent Link: Buying a Repossessed Property'>Buying a Repossessed Property</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/how-to-buy-your-council-house-123/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>A Guide to Mortgage Rescue Scheme</title>
		<link>http://www.hip-consultant.co.uk/blog/a-guide-on-mortgage-rescue-scheme-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/a-guide-on-mortgage-rescue-scheme-123/#comments</comments>
		<pubDate>Mon, 19 Jul 2010 07:46:02 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Financial Products]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Property Market]]></category>
		<category><![CDATA[Government Insolvency Scheme]]></category>
		<category><![CDATA[Government Mortgage to Rent]]></category>
		<category><![CDATA[Mortgage Rescue Scheme]]></category>
		<category><![CDATA[negative equity]]></category>
		<category><![CDATA[Shared Equity]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=2864</guid>
		<description><![CDATA[The government&#8217;s mortgage rescue scheme, which is not to be confused with commercial schemes which may describe themselves as mortgage rescue but are really sell to rent schemes, is a state funded, not for profit scheme which aims to help home owners stay in their homes where they would otherwise be repossessed and evicted.
It can [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/negative-equity-dealing-with-the-wolf-at-the-door/' rel='bookmark' title='Permanent Link: Negative equity – dealing with the wolf at the door'>Negative equity – dealing with the wolf at the door</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/guide-to-home-repossession-ins-outs-123/' rel='bookmark' title='Permanent Link: Guide to Home Repossession &#8211; Ins &#038; Outs'>Guide to Home Repossession &#8211; Ins &#038; Outs</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/is-now-the-time-to-repay-your-mortgage-early-123/' rel='bookmark' title='Permanent Link: Is now the time to repay your mortgage early?'>Is now the time to repay your mortgage early?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/a-guide-on-mortgage-rescue-scheme-123/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Guide to Home Repossession &#8211; Ins &amp; Outs</title>
		<link>http://www.hip-consultant.co.uk/blog/guide-to-home-repossession-ins-outs-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/guide-to-home-repossession-ins-outs-123/#comments</comments>
		<pubDate>Mon, 12 Jul 2010 07:59:11 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Property Market]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Guide to Home Repossession]]></category>
		<category><![CDATA[home repossession]]></category>
		<category><![CDATA[Order for Possession]]></category>
		<category><![CDATA[Repossession Auctions]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=2630</guid>
		<description><![CDATA[What a lender needs to do before it can repossess a property, what happens when a house gets repossessed and what to do if your home is at risk from repossession
Repossessions are an unfortunate consequence of any recession. It can be a terrifying and lonely ordeal and there is often nothing you can do to [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/a-guide-on-mortgage-rescue-scheme-123/' rel='bookmark' title='Permanent Link: A Guide to Mortgage Rescue Scheme'>A Guide to Mortgage Rescue Scheme</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/negative-equity-dealing-with-the-wolf-at-the-door/' rel='bookmark' title='Permanent Link: Negative equity – dealing with the wolf at the door'>Negative equity – dealing with the wolf at the door</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/house-repossessions-rocket-123/' rel='bookmark' title='Permanent Link: House Repossessions Rocket'>House Repossessions Rocket</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/guide-to-home-repossession-ins-outs-123/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Nationwide &#8211; house prices rise again</title>
		<link>http://www.hip-consultant.co.uk/blog/nationwide-mortgages-property-prices-rise-again-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/nationwide-mortgages-property-prices-rise-again-123/#comments</comments>
		<pubDate>Fri, 28 Aug 2009 08:45:09 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Property Market]]></category>
		<category><![CDATA[UK Property News]]></category>
		<category><![CDATA[mortgage interest rates nationwide]]></category>
		<category><![CDATA[nationwide mortgage deals]]></category>
		<category><![CDATA[nationwide mortgages]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=981</guid>
		<description><![CDATA[Nationwide have published their monthly report stating that house prices have risen for the fourth consecutive month. In August, it is claimed that we have seen property prices increase by 1.6% making the average house price in the country £160,000. However, is this the recovery most are looking for?
A summary of the report shows:

House prices [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/nationwide-2010-the-end-of-house-price-rises/' rel='bookmark' title='Permanent Link: Nationwide &#8211; 2010 The End of House Price Rises?'>Nationwide &#8211; 2010 The End of House Price Rises?</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/house-prices-fall-to-2005-levels-123/' rel='bookmark' title='Permanent Link: House Prices Fall to 2005 Levels'>House Prices Fall to 2005 Levels</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/annual-house-price-rise-breaks-103/' rel='bookmark' title='Permanent Link: Annual House Price Rise Breaks 10%'>Annual House Price Rise Breaks 10%</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/nationwide-mortgages-property-prices-rise-again-123/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Nationwide reduces price of fixed and tracker rate mortgages</title>
		<link>http://www.hip-consultant.co.uk/blog/nationwide-reduces-fixed-and-tracker-rate-mortgages-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/nationwide-reduces-fixed-and-tracker-rate-mortgages-123/#comments</comments>
		<pubDate>Tue, 11 Aug 2009 09:48:42 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Financial Products]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[fixed rate mortgage deal]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[nationwide mortgage deals]]></category>
		<category><![CDATA[tracker mortgages]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=850</guid>
		<description><![CDATA[Nationwide Building Society has announced that it is cutting the price of many of its fixed and tracker rate mortgages by up to 0.50%. This comes as welcome news as the banks and building societies have held what some have described as inflated rates.
With effect from 4 August 2009, will include the following:

For those buying [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/brokers-advise-on-a-low-fixed-rate-mortgage-deal-123/' rel='bookmark' title='Permanent Link: Brokers advise on a low fixed rate mortgage deal'>Brokers advise on a low fixed rate mortgage deal</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/tracker-mortgages-the-way-to-go-123/' rel='bookmark' title='Permanent Link: Tracker mortgages – the way to go?'>Tracker mortgages – the way to go?</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/nationwide-offers-a-life-line-to-those-in-negative-equity-123/' rel='bookmark' title='Permanent Link: Nationwide offers a life line to those in negative equity'>Nationwide offers a life line to those in negative equity</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/nationwide-reduces-fixed-and-tracker-rate-mortgages-123/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Nationwide offers a life line to those in negative equity</title>
		<link>http://www.hip-consultant.co.uk/blog/nationwide-offers-a-life-line-to-those-in-negative-equity-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/nationwide-offers-a-life-line-to-those-in-negative-equity-123/#comments</comments>
		<pubDate>Mon, 20 Jul 2009 10:31:40 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Financial Products]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[125% mortgage]]></category>
		<category><![CDATA[mortgage negative equity]]></category>
		<category><![CDATA[nationwide mortgages]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=707</guid>
		<description><![CDATA[Nationwide building society have announced a 125% LTV mortgage in a shock move considering the current financial situation. However, the pre-requisites of the mortgage deal are quite limiting to the large majority of people searching for a mortgage and the building society have been keen to down play the &#8216;new&#8217; mortgage product.
The mortgage is designed [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/negative-equity-dealing-with-the-wolf-at-the-door/' rel='bookmark' title='Permanent Link: Negative equity – dealing with the wolf at the door'>Negative equity – dealing with the wolf at the door</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/nationwide-reduces-fixed-and-tracker-rate-mortgages-123/' rel='bookmark' title='Permanent Link: Nationwide reduces price of fixed and tracker rate mortgages'>Nationwide reduces price of fixed and tracker rate mortgages</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/nationwide-mortgages-property-prices-rise-again-123/' rel='bookmark' title='Permanent Link: Nationwide &#8211; house prices rise again'>Nationwide &#8211; house prices rise again</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/nationwide-offers-a-life-line-to-those-in-negative-equity-123/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is now the time to repay your mortgage early?</title>
		<link>http://www.hip-consultant.co.uk/blog/is-now-the-time-to-repay-your-mortgage-early-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/is-now-the-time-to-repay-your-mortgage-early-123/#comments</comments>
		<pubDate>Mon, 06 Jul 2009 13:47:29 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Energy Saving]]></category>
		<category><![CDATA[HIP News]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Property Market]]></category>
		<category><![CDATA[mortgage overpayments]]></category>
		<category><![CDATA[repay mortgage early]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=647</guid>
		<description><![CDATA[Repaying your mortgage early can save you substantial amounts in interest payments and could be a great financial investment at present. With interest rates at their lowest in decades now maybe the time to increase your mortgage repayments or consider paying off a lump sum.
Before you arrange to make overpayments it is important to check [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/finding-a-mortgage-ten-top-tips-123/' rel='bookmark' title='Permanent Link: Finding a mortgage &#8211; Ten top tips'>Finding a mortgage &#8211; Ten top tips</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/looking-to-re-mortgage/' rel='bookmark' title='Permanent Link: Looking to re-mortgage?'>Looking to re-mortgage?</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/a-guide-on-mortgage-rescue-scheme-123/' rel='bookmark' title='Permanent Link: A Guide to Mortgage Rescue Scheme'>A Guide to Mortgage Rescue Scheme</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/is-now-the-time-to-repay-your-mortgage-early-123/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Innovative 95% mortgage from Lloyds TSB</title>
		<link>http://www.hip-consultant.co.uk/blog/innovative-95-mortgage-from-lloyds-tsb-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/innovative-95-mortgage-from-lloyds-tsb-123/#comments</comments>
		<pubDate>Thu, 28 May 2009 07:56:09 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Property Market]]></category>
		<category><![CDATA[95% Lloyds TSB mortgage]]></category>
		<category><![CDATA[95% mortgage]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[mortgage rates]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=459</guid>
		<description><![CDATA[Lloyds TSB’s (LON:LLOY) have announced a new 95% LTV mortgage product which requires a 5% deposit. By doing so it has claimed the distinction of being one of the few High Street lenders to offer such a high LTV home loans in these difficult times.
In these hard economic times, with virtually no banks offering a [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/cheaper-mortgage-rates/' rel='bookmark' title='Permanent Link: Cheaper Mortgage Rates?'>Cheaper Mortgage Rates?</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/brokers-advise-on-a-low-fixed-rate-mortgage-deal-123/' rel='bookmark' title='Permanent Link: Brokers advise on a low fixed rate mortgage deal'>Brokers advise on a low fixed rate mortgage deal</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/looking-to-re-mortgage/' rel='bookmark' title='Permanent Link: Looking to re-mortgage?'>Looking to re-mortgage?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/innovative-95-mortgage-from-lloyds-tsb-123/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Finding a mortgage &#8211; Ten top tips</title>
		<link>http://www.hip-consultant.co.uk/blog/finding-a-mortgage-ten-top-tips-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/finding-a-mortgage-ten-top-tips-123/#comments</comments>
		<pubDate>Tue, 26 May 2009 08:29:37 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Property Market]]></category>
		<category><![CDATA[Top tips]]></category>
		<category><![CDATA[find a mortgage]]></category>
		<category><![CDATA[mortgage guide]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=437</guid>
		<description><![CDATA[In the last year the economic downturn has changed the face of the mortgage industry some claim for good. Banks and other lenders have cut mortgage lending severely and finding a mortgage is no longer an easy task.
Buying a house is one of the biggest purchases we make in our lives and picking the right [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/how-to-deal-with-the-mortgage-minefield-10-top-tips-123/' rel='bookmark' title='Permanent Link: How to deal with the mortgage minefield &#8211; 10 top tips'>How to deal with the mortgage minefield &#8211; 10 top tips</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/is-now-the-time-to-repay-your-mortgage-early-123/' rel='bookmark' title='Permanent Link: Is now the time to repay your mortgage early?'>Is now the time to repay your mortgage early?</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/the-mortgage-myth-you-can-get-one-123/' rel='bookmark' title='Permanent Link: The Mortgage Myth – You can secure one'>The Mortgage Myth – You can secure one</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/finding-a-mortgage-ten-top-tips-123/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Northern Rock Announces 90% Mortgage</title>
		<link>http://www.hip-consultant.co.uk/blog/northern-rock-announces-90-mortgage-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/northern-rock-announces-90-mortgage-123/#comments</comments>
		<pubDate>Mon, 16 Mar 2009 09:46:39 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Financial Products]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Property Market]]></category>
		<category><![CDATA[UK Property News]]></category>
		<category><![CDATA[90% mortgage]]></category>
		<category><![CDATA[buying a house]]></category>
		<category><![CDATA[mortgage rates]]></category>
		<category><![CDATA[selling a house]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=290</guid>
		<description><![CDATA[With a move clearly designed to inject some life into the housing market, state owned bank Northern Rock has announced that it will resume lending 90% mortgages.
Currently the chances of getting a mortgage of more the 75% are very slim and this move could be seen as a government approved display of intent. Quite how [...]


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<li><a href='http://www.hip-consultant.co.uk/blog/latest-housing-market-trends-show-no-signs-of-recovery-123/' rel='bookmark' title='Permanent Link: Latest housing market trends show no signs of recovery'>Latest housing market trends show no signs of recovery</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/the-mortgage-myth-you-can-get-one-123/' rel='bookmark' title='Permanent Link: The Mortgage Myth – You can secure one'>The Mortgage Myth – You can secure one</a></li>
</ol>]]></description>
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		<slash:comments>5</slash:comments>
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