Helping Innovate Property (HIP) – Blog, Housing Market News and Articles

So you are about to sell your property and are looking to choose an estate agent. It is imperative that you make use of the services of an informed, professional estate agent to get the best out of your deal and ensure the process is smooth and without problems.

We are all aware of the challenging financial situation most are currently encountering and the negative impact this has had on the property market. It has never been as important to carefully select your estate agent as it has at present.

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There are a rising number of landlords in the UK today, with reports of considerable numbers of first time landlords entering the market. With interests rates at an all time low, those with savings are now looking at the rental market as a way of generating an income. The rental market is showing good resilience at present as some first time buyers struggle to access a suitable mortgage and look for accomodation.

If you are one of these ‘unplanned’ landlords and are considering this option for the first time, you must be both eager to take advantage of the opportunity and considerate to the possible risks involved. We have produced some handy tips that will help you take this step boldly and confidently.

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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 mortgage is essential. Here is the conundrum: fewer lenders mean lesser choices, so in these tough economic times how do you still get the best mortgage deal. Below we will provide you with 10 valuable tips that will help guide you to your dream home and help find you a suitable mortgage.

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The hopes and dreams of millions of home-owners and first-time buyers have received a number of positive announcements from the Government recently. We have seen dramatic cuts in interest rates, an announcement of a stamp duty amnesty on properties worth £175,000 or less, a new shared equity scheme for families earning less than £60,000 and earlier financial support for people struggling with their mortgage repayments.

But the lack of readily available mortgages seems to be little sign of ending and lenders remain very cautious, whether they are assessing re-mortgages at the end of a fixed rate deals or when looking at new applications.

The good news is that it is possible to improve your chances of securing the mortgage you want. These steps could help improve your chances.

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As the financial climate tightens knowledge becomes power when it comes to securing the credit deals you want. The best start is by understanding the impact your credit history and rating has on the type of offer you may receive and whether you will receive an offer for credit at all.

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