What’s in a number?

Posted by & filed under Estate Agents, Family Protection, Finance, First Time Buyer, House Hunting, Housing, Lifestyle, Mortgage, Moving Experience, News Round, Property Purchase, Property Search.

Quite a lot, it would seem, if that number’s your postcode. I can tell you from experience that it’s not just an urban myth that families will move lock, stock and kitchen table in order to give their children access to the best schools. It was reported in The Scotsman that a recent study by… Read more »

Balloons may rise, base rates may fall.

Posted by & filed under Brexit, Finance, First Time Buyer, House Hunting, Housing, Life Insurance, Lifestyle, Mortgage, Moving Experience, News Round, Politics, Property Purchase, Property Search.

You probably saw that Mark Carney, the Governor of the Bank of England, announced a reduction of UK base rate to an all-time low of 0.25% last week. This cut was the first change to base rate since March 2009. In this blog we take a look at how the mortgage / housing industry has… Read more »

So What Happens Now??

Posted by & filed under Finance, First Time Buyer, House Hunting, Housing, Lifestyle, Mortgage, Moving Experience, News Round, Politics, Uncategorized.

Today I’ve received several communications from clients who, following the EU Referendum last week, are asking the question ‘What Happens Now?’ Within that broader question, there are smaller details to consider … Will the number of mortgage products available reduce, will the Bank of England need to raise interest rates, will the value of houses… Read more »

Attacking the goldfish, and feeding the sharks?

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Housing, Lifestyle, Mortgage, Moving Experience, News Round, Politics, Property Purchase, Property Search.

With approximately six weeks remaining until the implementation of the higher stamp duty rates for second properties, we take a look at the potentially wide reaching implications that these changes could bring. No one knows what the impact of changes will be, but we’ll take a look at some scenarios that could play out…. From… Read more »

Bristol is a hot place to be in 2016…

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Housing, Lifestyle, Mortgage, Moving Experience, Property Purchase, Property Search.

…Even if it didn’t feel that way on my journey to work today. According to our local daily paper, The Bristol Post, this city has been decreed a hot place to buy for investors in 2016, up there with Marbella and St Ives in Cornwall apparently. But is that a good thing? The story originated… Read more »

The Help to Buy ISA – Is it the pot of gold at the end of the rainbow?

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Housing, Mortgage, Moving Experience, Politics, Property Purchase, Property Search.

The 1st of December is usually all about the Advent Calendar, and thinking of getting decorations down from the loft, but this year it is also notable as the date that the Government’s Help to Buy ISA scheme came into effect. First time buyers can, from today, start opening accounts that will allow them to save… Read more »

Black Friday – If you buy now will you REALLY pay later?!

Posted by & filed under First Time Buyer, House Hunting, Housing, Lifestyle, Mortgage, Moving Experience, News Round, Property Purchase, Property Search.

The UK seems to be being swept up in a whirl of anticipation and Black Friday mania. If you think back three years, the vast majority of the population had never heard of the US post-Thanksgiving sale (roughly their equivalent to a Boxing Day sale) but now it’s being mentioned whenever you turn on the… Read more »

Baby boom or baby bust? Planning before your truly moving experience.

Posted by & filed under First Time Buyer, House Hunting, Lifestyle.

The Economist reported a year ago that Birth Rate figures had relentlessly risen from 2001 until there was dip to a little under 700,000 during 2013. Figures published by the ONS this week indicate a continuing downward trend with figures showing 695,000 new babies in 2014. These stats surprised me a little. Maybe its because I’ve become… Read more »

All mortgage lenders are basically the same … aren’t they??

Posted by & filed under First Time Buyer, House Hunting, Mortgage, Moving Experience, Property Purchase.

At Moving Experience we’re often frustrated by the “computer says no” mentality of some lenders when it comes to assessing mortgage applications. We regularly see that it can be difficult to place (what should be) great cases, for lovely clients. Our job as advisors is to fully understand your personal circumstances and needs, and find… Read more »