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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>Mates Mortgages &#8211; the First Time Buyer Solution?</title>
		<link>http://www.hip-consultant.co.uk/blog/mates-mortgages-first-time-buyer-solution-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/mates-mortgages-first-time-buyer-solution-123/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 10:31:32 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Property Market]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=3914</guid>
		<description><![CDATA[These are tough times for first time buyers trying to get a foot on the first rung of the property ladder. The high loan to value mortgages of the noughties are consigned to banking history and these days, a deposit of 15% &#8211; 20% will need to be raised, along with legal costs, survey costs [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/owning-and-buying-property-jointly-together-123/' rel='bookmark' title='Permanent Link: Owning a Property Jointly, How to Buy Together'>Owning a Property Jointly, How to Buy Together</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/dealing-with-properties-homes-deceased-estate-123/' rel='bookmark' title='Permanent Link: Dealing With Property When The Owner Dies'>Dealing With Property When The Owner Dies</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/mortgages-with-a-bad-credit-rating/' rel='bookmark' title='Permanent Link: Mortgages with a bad credit rating'>Mortgages with a bad credit rating</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/mates-mortgages-first-time-buyer-solution-123/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to Choose the Right Mortgage for You</title>
		<link>http://www.hip-consultant.co.uk/blog/choosing-best-right-mortgage-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/choosing-best-right-mortgage-123/#comments</comments>
		<pubDate>Fri, 04 Nov 2011 07:10:36 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Financial Products]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=3901</guid>
		<description><![CDATA[Choosing the right mortgage is possibly the biggest financial obligation most people make in their lifetime, so it’s imperative that you do your research before making your decision. With an abundance of selections of mortgage options and an endless array of financial institutions offering their own programs, you can be left feeling overwhelmed. Before starting [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/applying-obtaining-mortgage-123/' rel='bookmark' title='Permanent Link: Applying &#038; Obtaining a Mortgage in 2011'>Applying &#038; Obtaining a Mortgage in 2011</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/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/choosing-best-right-mortgage-123/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stimulating the Housing Market</title>
		<link>http://www.hip-consultant.co.uk/blog/stimulating-property-housing-market-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/stimulating-property-housing-market-123/#comments</comments>
		<pubDate>Thu, 20 Oct 2011 08:01:01 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Property Market]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=3881</guid>
		<description><![CDATA[I was reading about Nick Clegg&#8217;s proposal at the Liberal Democrat conference to impose an additional tax on empty homes the other day with the aim of stimulating the housing market and it got me thinking about a couple things. Firstly, why oh why did I think voting Liberal was a good idea and secondly, [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/what-next-for-housing-uk-property-market-123/' rel='bookmark' title='Permanent Link: What Next for the UK Housing Market?'>What Next for the UK Housing Market?</a></li>
<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/government-tax-levy-on-banking-bonuses-will-impact-uk-housing-mortgage-market-123/' rel='bookmark' title='Permanent Link: Government Tax Levy on Banking Bonuses will impact UK Housing &#038; Mortgage Market'>Government Tax Levy on Banking Bonuses will impact UK Housing &#038; Mortgage Market</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/stimulating-property-housing-market-123/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>What Next for the UK Housing Market?</title>
		<link>http://www.hip-consultant.co.uk/blog/what-next-for-housing-uk-property-market-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/what-next-for-housing-uk-property-market-123/#comments</comments>
		<pubDate>Thu, 15 Sep 2011 07:32:30 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Estate Agents]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Property Market]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=3821</guid>
		<description><![CDATA[You would need to have been living on Mars for the past ten years not to know about the rise and fall of the UK Housing Market. From the incredible price inflation of the early 2000s to the near collapse following the 2008 banking crisis, house prices regularly make for headline news. So what&#8217;s next? [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/stimulating-property-housing-market-123/' rel='bookmark' title='Permanent Link: Stimulating the Housing Market'>Stimulating the Housing Market</a></li>
<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/government-tax-levy-on-banking-bonuses-will-impact-uk-housing-mortgage-market-123/' rel='bookmark' title='Permanent Link: Government Tax Levy on Banking Bonuses will impact UK Housing &#038; Mortgage Market'>Government Tax Levy on Banking Bonuses will impact UK Housing &#038; Mortgage Market</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/what-next-for-housing-uk-property-market-123/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Remortgaging my property &#8211; a quick guide</title>
		<link>http://www.hip-consultant.co.uk/blog/remortgaging-my-property-quick-guide-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/remortgaging-my-property-quick-guide-123/#comments</comments>
		<pubDate>Wed, 22 Jun 2011 07:34:11 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Financial Products]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=3676</guid>
		<description><![CDATA[Remortgaging your property is a big decision, but make the right move and you&#8217;ll be glad you put the time and effort into it. Why remortgage? Well, if you&#8217;re coming to the end of your current mortgage deal, you&#8217;ll have to make a decision between finding a brand new mortgage and reverting to your lender&#8217;s [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/applying-obtaining-mortgage-123/' rel='bookmark' title='Permanent Link: Applying &#038; Obtaining a Mortgage in 2011'>Applying &#038; Obtaining a Mortgage in 2011</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>
<li><a href='http://www.hip-consultant.co.uk/blog/choosing-best-right-mortgage-123/' rel='bookmark' title='Permanent Link: How to Choose the Right Mortgage for You'>How to Choose the Right Mortgage for You</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/remortgaging-my-property-quick-guide-123/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Applying &amp; Obtaining a Mortgage in 2011</title>
		<link>http://www.hip-consultant.co.uk/blog/applying-obtaining-mortgage-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/applying-obtaining-mortgage-123/#comments</comments>
		<pubDate>Tue, 26 Apr 2011 08:58:31 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Financial Products]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=3580</guid>
		<description><![CDATA[The decision to take on a mortgage is a big one and should not be taken lightly. It is likely that you will be repaying it for most of your working life. It&#8217;s extremely important therefore to make sure that you get the mortgage that is right for you. You should be prepared to pay [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/choosing-best-right-mortgage-123/' rel='bookmark' title='Permanent Link: How to Choose the Right Mortgage for You'>How to Choose the Right Mortgage for You</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/remortgaging-my-property-quick-guide-123/' rel='bookmark' title='Permanent Link: Remortgaging my property &#8211; a quick guide'>Remortgaging my property &#8211; a quick guide</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/applying-obtaining-mortgage-123/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Alternative Business Structures &#8211; Business Entity</title>
		<link>http://www.hip-consultant.co.uk/blog/alternative-business-structures-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/alternative-business-structures-123/#comments</comments>
		<pubDate>Mon, 14 Mar 2011 09:51:05 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Estate Agents]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=3485</guid>
		<description><![CDATA[Currently, a solicitor who is performing “reserved legal activities” (activities which only a solicitor is permitted to perform such as the key elements of a conveyancing transaction) for the general public is only permitted to practise in a firm wholly owned by solicitors. The Legal Services Act 2007 (“the Act”) however introduces a new type [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/buy-to-let-a-risky-business/' rel='bookmark' title='Permanent Link: Buy to let – a risky business?'>Buy to let – a risky business?</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/the-future-of-property-conveyancing-solicitors-123/' rel='bookmark' title='Permanent Link: The Future of Property Conveyancing'>The Future of Property Conveyancing</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/confusion-clouds-landscape-for-consumers-legal-services-123/' rel='bookmark' title='Permanent Link: Confusion clouds landscape for consumers legal services'>Confusion clouds landscape for consumers legal services</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/alternative-business-structures-123/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Relying on the Mortgage Lender&#8217;s Valuation Report?</title>
		<link>http://www.hip-consultant.co.uk/blog/buyers-relying-mortgage-lenders-valuation-report-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/buyers-relying-mortgage-lenders-valuation-report-123/#comments</comments>
		<pubDate>Tue, 08 Feb 2011 09:36:24 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[sue for negligence]]></category>
		<category><![CDATA[Valuation Report]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=3372</guid>
		<description><![CDATA[Before agreeing to lend money on a property a mortgage lender will instruct a valuer to carry out a basic report, called a valuation report. The report does not go into any great detail but will give a market value figure which the lender will rely upon when deciding how much it ought to lend. [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/uk-mortgage-lenders-take-a-leap-forward-123/' rel='bookmark' title='Permanent Link: UK Mortgage Lenders Take a Leap Forward'>UK Mortgage Lenders Take a Leap Forward</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/types-of-property-survey-123/' rel='bookmark' title='Permanent Link: Different Types of Property Surveys'>Different Types of Property Surveys</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/making-an-application-to-the-leasehold-valuation-tribunal-lvt-123/' rel='bookmark' title='Permanent Link: Making an Application to the Leasehold Valuation Tribunal (LVT)'>Making an Application to the Leasehold Valuation Tribunal (LVT)</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/buyers-relying-mortgage-lenders-valuation-report-123/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Different Types of Property Surveys</title>
		<link>http://www.hip-consultant.co.uk/blog/types-of-property-survey-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/types-of-property-survey-123/#comments</comments>
		<pubDate>Mon, 24 Jan 2011 10:51:09 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Property Market]]></category>
		<category><![CDATA[Full Structural Survey]]></category>
		<category><![CDATA[Homebuyers Report]]></category>
		<category><![CDATA[mortgage valuation]]></category>
		<category><![CDATA[Valuation Report]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=3314</guid>
		<description><![CDATA[Before buying any property you are highly encouraged to have a survey carried out. In fact if you are buying with a mortgage then your lender will insist. If you don&#8217;t have a survey then you are accepting the property in whatever condition it happens to be in, regardless of whether the seller is aware [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/buyers-relying-mortgage-lenders-valuation-report-123/' rel='bookmark' title='Permanent Link: Relying on the Mortgage Lender&#8217;s Valuation Report?'>Relying on the Mortgage Lender&#8217;s Valuation Report?</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/costs-when-buying-house-123/' rel='bookmark' title='Permanent Link: Costs to Factor in When You Buy a Home'>Costs to Factor in When You Buy a Home</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/is-the-property-ladder-broken-123/' rel='bookmark' title='Permanent Link: Is the Property Ladder Broken?'>Is the Property Ladder Broken?</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/types-of-property-survey-123/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Securing a Debt Against Another&#8217;s Property</title>
		<link>http://www.hip-consultant.co.uk/blog/how-to-secure-debt-against-property-123/</link>
		<comments>http://www.hip-consultant.co.uk/blog/how-to-secure-debt-against-property-123/#comments</comments>
		<pubDate>Wed, 10 Nov 2010 09:25:42 +0000</pubDate>
		<dc:creator>HIP-Consultant.co.uk</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Property Conveyancing]]></category>
		<category><![CDATA[charge against property]]></category>
		<category><![CDATA[securing a debt payment]]></category>

		<guid isPermaLink="false">http://www.hip-consultant.co.uk/blog/?p=3228</guid>
		<description><![CDATA[In terms of a person&#8217;s assets, land is unique in that a debt can be secured against it without the owner giving up control of the asset. Items can of course be bought on hire purchase agreements but these remain the property of the seller until the debt is paid, and an item can be [...]


Related posts:<ol><li><a href='http://www.hip-consultant.co.uk/blog/transfers-of-equity-and-legal-ownership-of-a-property-123/' rel='bookmark' title='Permanent Link: Transfers of Equity and Legal Ownership of a Property'>Transfers of Equity and Legal Ownership of a Property</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/dealing-with-properties-homes-deceased-estate-123/' rel='bookmark' title='Permanent Link: Dealing With Property When The Owner Dies'>Dealing With Property When The Owner Dies</a></li>
<li><a href='http://www.hip-consultant.co.uk/blog/search-agents-massive-bad-debt-burden-123/' rel='bookmark' title='Permanent Link: Search Agents massive bad debt burden'>Search Agents massive bad debt burden</a></li>
</ol>]]></description>
		<wfw:commentRss>http://www.hip-consultant.co.uk/blog/how-to-secure-debt-against-property-123/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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