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Recent Posts
How Will Today's Interest Rate Cut Affect the Southampton Property Market?
- By Brian Linehan
- Mortgage
- 7 November 2024
Earlier today, the Bank of England (B of E) announced that the base interest rate will be cut by 0.25 to 4.75%.
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Interest Rate Cut… Is Tomorrow the Day?
- By Brian Linehan
- Mortgage
- 6 November 2024
The Bank of England meets tomorrow (Thursday 7 November) to set the official Bank Rate or interest rate as it is also known.
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Good News If You’re Looking for a Mortgage in Southampton
- By Brian Linehan
- Buyers
- 30 October 2024
New data shows the mortgage market has bounced back from the turbulence of two years ago.
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2024 House Price Trends in Southampton Revealed
- By Brian Linehan
- Buyers
- 12 September 2024
The UK housing market is experiencing a period of steady recovery, according to the latest data from leading property portal Zoopla.
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Pension or Property: Key Issues for Southampton Investors
- By Brian Linehan
- Buyers
- 14 August 2024
Regarding retirement, most people have the same goal: to spend their latter years doing what they love without worrying about scraping by.
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Comprehensive Analysis of European Mortgage Lending: 2019-2023
- By Brian Linehan
- General
- 13 August 2024
The European residential mortgage market has experienced fluctuations, reflecting broader economic trends and local housing dynamics.
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Southampton Starter Homes 36.7% Cheaper Today Than 35 Years Ago
- By Brian Linehan
- Buyers
- 26 July 2024
Surprisingly, despite significant inflation over the past few years, buying a house today is still more affordable as a % of take-home pay.
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Labour’s Housing and Property Market Manifesto: What Southampton Homeowners & Landlords Should Know
- By Brian Linehan
- Buyers
- 5 July 2024
Now we know Labour will be taking the reins of government and ushering in a new era of policies and promises.
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What the Election Result Means for the Property Market
- By Brian Linehan
- Buyers
- 5 July 2024
Property markets don’t like uncertainty. So we now have a better idea of what the government will be doing over the next five years.
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How Mortgages Differ around the World – A Guide for Southampton Homeowners
- By Brian Linehan
- Mortgage
- 26 April 2024
If you’re paying off a mortgage on a property in Southampton, you’ll be well aware of how the mortgage market works in the UK.
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House Sales Up 14.8% on 2023 as Mortgage Rates Fall. Yet is it a sellers’ market in Southampton?
- By Brian Linehan
- Mortgage
- 6 February 2024
Every UK region has seen an increase in the number of properties selling (subject to contract) in January 24 vs January 23; the most significant rise was found in Inner London, which was up 25.14% year-on-year, followed by the South East, at 20.02%, the South West at 16.18%. Most other regions (West Midlands, Outer London, North West, Yorkshire, Ulster, East Anglia, Wales, East Midlands & North East) increased by between 12% and 15%. The smallest rise was in Scotland at 4.45%.
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Mortgage War Will Save Southampton Homeowners £3,215 a Year
- By Brian Linehan
- Mortgage
- 12 January 2024
The mortgage on a typical 85% loan-to-value mortgage would be £221,609 (meaning a 15% deposit of £39,107). If a Southampton first-time buyer bought their house last summer, when the average five-year fixed rate was 6.3%, the mortgage payments would be £1,308.55 per month (for the next five years). At the time of writing this article, Halifax were offering an 85% loan-to-value, five-year fixed rate at 4.57%, yet HSBC were offering something even better, a 4.44%, 85% loan-to-value mortgage on a five-year fixed rate. That means their mortgage payments would only be £1,040.56 per month.
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