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<title>Michael Sterios - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Michael_Sterios</link>
<pubDate>Wed, 15 Feb 2012 06:45:54 -0600</pubDate>
<image><title>Michael Sterios - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Michael_Sterios</link>
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<language>en-us</language>
<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[EzineArticles.com is Trusted By Millions as The Source For Quality Original Articles]]></description>
<lastBuildDate>Tue, 05 Apr 2011 08:09:00 -0500</lastBuildDate>
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<title>Important Information About Reverse Mortgages</title>
<link>http://EzineArticles.com/6141459</link>
<guid>http://EzineArticles.com/6141459</guid>
<pubDate>Tue, 05 Apr 2011 08:09:00 -0500</pubDate>
<description><![CDATA[What exactly is a reverse mortgage? It is a type of home loan that allows retirees to use the equity in their home while still living in the property. A retiree's home can be a great source of valuable income. However, it's important to do your homework. In this article we will explain some of the key characteristics of a reverse mortgage.]]></description>
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<title>How To Compare Mortgage Products</title>
<link>http://EzineArticles.com/6039654</link>
<guid>http://EzineArticles.com/6039654</guid>
<pubDate>Fri, 11 Mar 2011 14:17:28 -0600</pubDate>
<description><![CDATA[If you're looking for the truth about being able to compare mortgage lenders, then you'll definitely want to spend a little time on this article. You need to do several things in preparation before applying for a home loan. First, you need to gather information on several mortgage lenders, prior to talking to them in person. Then you should compare the rates and fees on the mortgage products you have looked at for your own knowledge.]]></description>
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<title>Benefits Of Second Mortgages</title>
<link>http://EzineArticles.com/5578070</link>
<guid>http://EzineArticles.com/5578070</guid>
<pubDate>Tue, 21 Dec 2010 19:35:08 -0600</pubDate>
<description><![CDATA[There you are in your bed, tossing and turning, fretting about how you are going to pay your bills. Giving up on sleeping, you switch on the TV to try and take your mind off your money problems. Its times like this it feels like there is no way out of your financial woes. Many of us have been there before. But it doesn't have to be like this.]]></description>
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<title>Problems With Redraw Facilities</title>
<link>http://EzineArticles.com/5464983</link>
<guid>http://EzineArticles.com/5464983</guid>
<pubDate>Wed, 01 Dec 2010 13:25:41 -0600</pubDate>
<description><![CDATA[Although the wider economic situation has improved of late, some people are dipping into their retirement savings to help meet their monthly mortgage payments. As the global financial crisis forces cuts in hours worked more are dipping into their super to save their homes.]]></description>
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<title>What is Lenders Mortgage Insurance?</title>
<link>http://EzineArticles.com/4428955</link>
<guid>http://EzineArticles.com/4428955</guid>
<pubDate>Mon, 07 Jun 2010 16:07:34 -0500</pubDate>
<description><![CDATA[Lenders Mortgage Insurance (LMI) protects the lender in the event that a mortgage borrower defaults on their loan. The insurance policy is only required for home loans that have a balance exceeding 80% of the value of the property at application.]]></description>
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<title>Government Grants and First Home Buyers</title>
<link>http://EzineArticles.com/4426366</link>
<guid>http://EzineArticles.com/4426366</guid>
<pubDate>Mon, 07 Jun 2010 15:56:30 -0500</pubDate>
<description><![CDATA[Lower interest rates and increases in government grants have enticed more Australians, particularly first home buyers, to purchase a residential property. The number of permits in January to build private sector houses rose for the first time since April 2008 despite total approvals to construct dwellings falling, official data showed.]]></description>
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<title>So You Want to Be a Property Investor?</title>
<link>http://EzineArticles.com/4384760</link>
<guid>http://EzineArticles.com/4384760</guid>
<pubDate>Tue, 01 Jun 2010 21:31:01 -0500</pubDate>
<description><![CDATA[Is the Great Australian Dream to buy one's own home still realistic? Everyone, it seems, wants to own their home and an investment property. Since the Great Financial Crisis shares have become less attractive for investors, with many share investors still recovering from losses incurred. Investing in property has rarely looked so good.]]></description>
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<title>Are Fixed Rate Home Loans a Good Idea?</title>
<link>http://EzineArticles.com/4346853</link>
<guid>http://EzineArticles.com/4346853</guid>
<pubDate>Tue, 25 May 2010 11:12:06 -0500</pubDate>
<description><![CDATA[The question of whether to get a fixed rate or a variable rate loan is always a vexing question. Should I fix or not? Should I get a fixed rate for three years or five years? Maybe 10 years? These are questions that are always asked when buying property whether you're an owner-occupier or an investor. More recently, 30-year mortgages have come on to the market.]]></description>
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<title>The Basics of Stamp Duty</title>
<link>http://EzineArticles.com/4063485</link>
<guid>http://EzineArticles.com/4063485</guid>
<pubDate>Thu, 08 Apr 2010 09:02:14 -0500</pubDate>
<description><![CDATA[Stamp duty is a tax that has existed for hundreds of years in countries with English law. It is essentially a tax that is levied on documents. Historically, the documents were stamped as evidence that the duty had been paid. In modern times, physical stamps are no longer used.]]></description>
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<title>First Home Owners Grant</title>
<link>http://EzineArticles.com/3968950</link>
<guid>http://EzineArticles.com/3968950</guid>
<pubDate>Mon, 22 Mar 2010 18:18:00 -0500</pubDate>
<description><![CDATA[In the year 2000 the Australian government introduced a scheme to help first time buyers get a foot on the property ladder. The First Home Owners Grant (FHOG) is a lump sum payment awarded to Australians who qualify for the scheme when they buy their first home.]]></description>
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<title>Can I Still Buy a Home With No Deposit?</title>
<link>http://EzineArticles.com/3925257</link>
<guid>http://EzineArticles.com/3925257</guid>
<pubDate>Mon, 15 Mar 2010 16:16:11 -0500</pubDate>
<description><![CDATA[No deposit home loans may seem like an impossible dream in this market. Current conditions for borrowers and for lenders may appear tight when you read all the headlines but the world has not stopped.]]></description>
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<title>Making the Bank Selection</title>
<link>http://EzineArticles.com/3806976</link>
<guid>http://EzineArticles.com/3806976</guid>
<pubDate>Mon, 22 Feb 2010 21:49:03 -0600</pubDate>
<description><![CDATA[If you are dealing with a mortgage broker, you need to be aware that they might not be free to select from all possible lenders. Instead, brokers have established relationships with a select panel of lenders. The mortgage broker will undertake the process of selecting the best lender, be it a bank or credit union or other non bank lender, with their client, from the panel of lenders it has a relationship with.]]></description>
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<title>How a Mortgage Broker Works</title>
<link>http://EzineArticles.com/3759005</link>
<guid>http://EzineArticles.com/3759005</guid>
<pubDate>Mon, 15 Feb 2010 14:21:16 -0600</pubDate>
<description><![CDATA[Comparing home loans is without a doubt one of the more challenging tasks that the average person will have to confront in their financial life. For any home buyer, be it a first home buyer or an established home owner looking to refinance their mortgage or upgrade to another home, or an investor buying an investment property, making home loan comparisons between different mortgage providers and between various home loan options can be a highly complex exercise.]]></description>
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<title>The Role of the Mortgage Broker in Refinancing</title>
<link>http://EzineArticles.com/3725498</link>
<guid>http://EzineArticles.com/3725498</guid>
<pubDate>Tue, 09 Feb 2010 16:00:41 -0600</pubDate>
<description><![CDATA[The mortgage broker's role is to simplify the process for the home buyer. With the possibility now of rising interest rates a stark reality, existing mortgage holders will be keen to minimise the impact of higher standard variable mortgage rates.]]></description>
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<title>The Banks and the Mortgage Brokers</title>
<link>http://EzineArticles.com/3673095</link>
<guid>http://EzineArticles.com/3673095</guid>
<pubDate>Mon, 01 Feb 2010 16:49:40 -0600</pubDate>
<description><![CDATA[Over the past decade franchised mortgage brokers have experienced boom times. Mortgage Choice, RAMS, Wizard and others expanded to meet the demand for credit from the proliferation of non-bank credit providers; until recently. There's no escaping the brutal reality of the credit crisis: it's hitting the non bank sector hardest.]]></description>
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<title>How Competitive is the Australian Mortgage Market?</title>
<link>http://EzineArticles.com/3631360</link>
<guid>http://EzineArticles.com/3631360</guid>
<pubDate>Mon, 25 Jan 2010 14:38:35 -0600</pubDate>
<description><![CDATA[The mortgage market in Australia has been great for the big banks. It has not been as great for consumers. The big banks have regained market share previously lost to the non bank mortgage providers that started to compete back in the mid 1990s with names such as Rams and Aussie Home Loans.]]></description>
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<title>Current Mortgage Rate Fluctuations</title>
<link>http://EzineArticles.com/3551410</link>
<guid>http://EzineArticles.com/3551410</guid>
<pubDate>Mon, 11 Jan 2010 14:57:04 -0600</pubDate>
<description><![CDATA[We all tend to be prone to overreaction. All you need to do is turn on the news to find out the latest apocalypse du jour. Of course, the vast majority of these expected calamities that we get ourselves worked up about never in fact show up in our lives. Let's face it; we are a bunch of Chicken Little's running around shouting about the falling sky. One recent example of this is the media's incessant shouting about the skyrocketing of mortgage rates of late.]]></description>
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<title>Buying Your First Home Without Stress</title>
<link>http://EzineArticles.com/3104148</link>
<guid>http://EzineArticles.com/3104148</guid>
<pubDate>Mon, 19 Oct 2009 15:49:34 -0500</pubDate>
<description><![CDATA[This article addresses many common questions first-time home buyers often ask. It is a must read article, with loads of valuable information that will save you both time and money.]]></description>
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<title>An Overview of Mortgages and Remortgages</title>
<link>http://EzineArticles.com/2973982</link>
<guid>http://EzineArticles.com/2973982</guid>
<pubDate>Mon, 12 Oct 2009 10:35:11 -0500</pubDate>
<description><![CDATA[Living in the United Kingdom can be very expensive. Specifically, London is one of the most expensive cities in the world to live. This cost of living helps drive the loan and mortgage markets in the UK. The UK is a small country, but it has one of the largest loan books in the world, because of the astronomical property prices. There is limited space, limited housing, which helps drive up the prices.]]></description>
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<item>
<title>The Property Market and the Global Recession</title>
<link>http://EzineArticles.com/3018619</link>
<guid>http://EzineArticles.com/3018619</guid>
<pubDate>Wed, 07 Oct 2009 15:59:13 -0500</pubDate>
<description><![CDATA[Australia is one of the few countries, along with Canada, who has felt the credit crunch less than the rest of the world. There may be many reason for this, such as stricter property lending rules or because there is such a large amount of space and supply of land to be able to be used for homes that the vast increases the majority of the world saw from 2004 - 2006 did not happen.]]></description>
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<title>How the Base Rate is Effecting the UK Mortgage Market</title>
<link>http://EzineArticles.com/3031156</link>
<guid>http://EzineArticles.com/3031156</guid>
<pubDate>Wed, 07 Oct 2009 14:08:34 -0500</pubDate>
<description><![CDATA[The Bank of England has slashed the Base Rate in previous months to an all time low. The reasoning behind this was to alleviate some pressure on current home owners and to help rejuvenate the financial economy hoping the banks would begin to lend money again. It is still too early to tell if the drastic measures of the Bank of England were necessary, but the short term effect show okay results.]]></description>
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<title>Escape the Rent Trap</title>
<link>http://EzineArticles.com/2974088</link>
<guid>http://EzineArticles.com/2974088</guid>
<pubDate>Sat, 26 Sep 2009 08:28:18 -0500</pubDate>
<description><![CDATA[So, amid all the economic doom and gloom, is there any ray of sunlight? How about any cause for optimism at all? Of course there is, the financial markets seem have recently experienced one of the biggest run-ups in stock market history, the marketplace is being purged of bloated, inept companies and the economy as a whole is showing signs of life.]]></description>
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<title>Realise Your Dreams Through Buy to Let</title>
<link>http://EzineArticles.com/2974044</link>
<guid>http://EzineArticles.com/2974044</guid>
<pubDate>Sat, 26 Sep 2009 08:27:50 -0500</pubDate>
<description><![CDATA[You have a recurring dream about being independently wealthy. The term "mailbox money" makes you start to salivate. A property mogul in the making, you envision having an empire of tenants sending you money each month for the privilege of living in your properties, while you traipse around the world savoring the good life. Sound like a fantasy? Well, okay, maybe so, but if you remember the three things we will discuss in this article you will be able to enter the buy to let game like a pro.]]></description>
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<title>The Secret of Making Your Next Home Purchase Carefree</title>
<link>http://EzineArticles.com/2960055</link>
<guid>http://EzineArticles.com/2960055</guid>
<pubDate>Tue, 22 Sep 2009 15:38:49 -0500</pubDate>
<description><![CDATA[Remember the good old days when you were young and carefree? When the only things you had to worry about was what time your favorite cartoon came on (mine was a crazy short lived science fiction cartoon called G-Force) and whether or not your mom was cooking lasagna tonight? Well, those sublime days may be over, but that doesn't mean that your next home purchase can't hearken back to those enjoyable times.]]></description>
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<title>What Makes a Good Mortgage Broker?</title>
<link>http://EzineArticles.com/2911490</link>
<guid>http://EzineArticles.com/2911490</guid>
<pubDate>Tue, 15 Sep 2009 15:08:22 -0500</pubDate>
<description><![CDATA[A mortgage broker is essentially an individual or business entity that matches home loans and investment loans with the requirements of their clients. Brokers recommend products based on the particular requirements of their clients and then assist with the application process. On the surface it can seem like a simple task, but in order to become successful mortgage brokers must offer their clients much more.]]></description>
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<title>The Role of Australian Mortgage Brokers</title>
<link>http://EzineArticles.com/2886674</link>
<guid>http://EzineArticles.com/2886674</guid>
<pubDate>Fri, 11 Sep 2009 10:54:11 -0500</pubDate>
<description><![CDATA[The mortgage broking profession has boomed in Australia during the last fifteen years. From humble beginnings the industry has grown at a rate of knots over the past decade or more to a point at which there is currently over ten thousand brokers practicing throughout the country.]]></description>
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<title>Mortgage Aggregators in Australia</title>
<link>http://EzineArticles.com/2846738</link>
<guid>http://EzineArticles.com/2846738</guid>
<pubDate>Wed, 02 Sep 2009 09:08:23 -0500</pubDate>
<description><![CDATA[Mortgage lenders in Australia rarely deal with brokers that cannot submit a high volume of successful home loan applications to them each month. For example, a particular bank or non-bank lending institution might refuse to deal with an entity that cannot close at least one million dollars worth of mortgages with them on a monthly basis.]]></description>
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<title>How the Government Injection Should Help the Struggling Mortgage Industry</title>
<link>http://EzineArticles.com/2836929</link>
<guid>http://EzineArticles.com/2836929</guid>
<pubDate>Tue, 01 Sep 2009 14:24:40 -0500</pubDate>
<description><![CDATA[Since the summer of 2008, there has been practically nothing but uncertainty and fear concerning the UK mortgage market. While financial analysts and politicians alike realize the determent that this fear is causing, they are having issues trying to turn those doubtful feelings and uncertainties into something positive that the financial community and consumers can hold onto.]]></description>
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<title>How to Qualify As a Mortgage Broker in Australia</title>
<link>http://EzineArticles.com/2806098</link>
<guid>http://EzineArticles.com/2806098</guid>
<pubDate>Sun, 30 Aug 2009 20:20:49 -0500</pubDate>
<description><![CDATA[Becoming a mortgage broker and helping people with their home loans is one of the most intrinsically rewarding finance careers in Australia. In addition to the buzz of helping people buy their homes, successful brokers also enjoy a high income and the lifestyle it affords.]]></description>
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<title>How the Media is Hurting the UK Mortgage Market</title>
<link>http://EzineArticles.com/2521817</link>
<guid>http://EzineArticles.com/2521817</guid>
<pubDate>Thu, 25 Jun 2009 09:05:06 -0500</pubDate>
<description><![CDATA[As the majority of people are aware, the entire world began to feel a financial crisis in the summer of 2008. While some people claim to have predicted it to happen, and those of us working within the mortgage industry knew eventually the bottom would fall out, I do not think the world was ready for the rapid decline that happened.]]></description>
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<title>All About the Bank Bail Out - Part 4</title>
<link>http://EzineArticles.com/2521807</link>
<guid>http://EzineArticles.com/2521807</guid>
<pubDate>Thu, 25 Jun 2009 08:34:23 -0500</pubDate>
<description><![CDATA[This is exactly the opposite situation to that which is required in a macro economic situation such as a recession. During tough economic times people need to be mobile. As redundancies and layoffs increase it is beneficial for people to be willing to relocate geographically in order to find work. If the property market crashes to a point at which people will lose too much money if they sell up, they will be unwilling to do so and therefore cannot relocate to find more work.]]></description>
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<title>All About the Bank Bail Out - Part 3</title>
<link>http://EzineArticles.com/2521797</link>
<guid>http://EzineArticles.com/2521797</guid>
<pubDate>Thu, 25 Jun 2009 08:22:40 -0500</pubDate>
<description><![CDATA[Banks and other financial institution were not the only entities to suffer from the credit crunch. As borrowed funds became more difficult for other large and small businesses to obtain, the suffering spread. Almost every business in the world relies on at least one form of credit to survive - whether it be credit to purchase inventory or a working capital account - but the level of credit available to businesses shrunk drastically over a short span of time.]]></description>
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<title>The Future For Mortgage Brokers - Part 6</title>
<link>http://EzineArticles.com/2351510</link>
<guid>http://EzineArticles.com/2351510</guid>
<pubDate>Fri, 15 May 2009 16:29:35 -0500</pubDate>
<description><![CDATA[A return to the days in which almost anyone could pass a few exams and become a successful mortgage broker might help the profession return to the situation in which fraudulent activity becomes widespread once again.    The Future for Mortgage Brokers    The credit crunch and it's subsequent affect on the property market and mortgage industry has, at the very least, removed inefficiencies from these industries and exposed problems that were hidden by constantly rising property prices. While the mortgage broker industry has not faced total ruin it has take a fairly big hit.]]></description>
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<title>The Future For Mortgage Brokers - Part 5</title>
<link>http://EzineArticles.com/2351502</link>
<guid>http://EzineArticles.com/2351502</guid>
<pubDate>Fri, 15 May 2009 16:28:11 -0500</pubDate>
<description><![CDATA[The mortgage broker industry in the UK has been negatively affected by the credit crunch more than any other country in the world, apart from the USA. The boom of the late 1990s and early 2000s officially ended in late 2007 when the credit crunch became a reality. The following few months saw the closure of hundreds of estate agents and mortgage brokers up and down Britain as the property market came to a standstill.]]></description>
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<title>All About the Bank Bail Out - Part 2</title>
<link>http://EzineArticles.com/1960055</link>
<guid>http://EzineArticles.com/1960055</guid>
<pubDate>Fri, 06 Feb 2009 11:31:00 -0600</pubDate>
<description><![CDATA[In the UK the credit crunch firmly wrote itself into the history books when one of the largest mortgage lenders in the country - Northern Rock - was nationalised. The nationalisation of the bank was undertaken by the government to prevent the bank from completely collapsing, which effectively rescued thousands of jobs and a large chunk of the UK economy.]]></description>
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<item>
<title>All About the Bank Bail Out - Part 1</title>
<link>http://EzineArticles.com/1960051</link>
<guid>http://EzineArticles.com/1960051</guid>
<pubDate>Fri, 06 Feb 2009 11:28:18 -0600</pubDate>
<description><![CDATA[The phrase "credit crunch" has been firmly etched into the history books thanks to the countless media stories circulating around the globe over the past few years. The phrase has been coined to summarise into a few words the massive problems with the banking system throughout the developed world. While the term has been used to label many events and circumstances engulfing the world, in essence it involves banks being unwilling to lend money. The credit market has crunched and it is proving difficult to fix.]]></description>
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<item>
<title>The Future For Mortgage Brokers - Part 4</title>
<link>http://EzineArticles.com/1852212</link>
<guid>http://EzineArticles.com/1852212</guid>
<pubDate>Thu, 08 Jan 2009 09:27:02 -0600</pubDate>
<description><![CDATA[The independent mortgage broker industry in Australia is still young and should prosper again after the credit crunch. The industry is yet to fall under a national regulatory body in order to give it credibility, however this is planned. When the industry becomes regulated in a similar fashion to the FSA in the UK and the turmoil in the global financial markets is sorted out, mortgage brokers in Australia should once again experience a boom.]]></description>
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<item>
<title>Is Buy-to-Let Still a Good Investment? - Part 2</title>
<link>http://EzineArticles.com/1852207</link>
<guid>http://EzineArticles.com/1852207</guid>
<pubDate>Thu, 08 Jan 2009 09:26:04 -0600</pubDate>
<description><![CDATA[Future millionaires were abandoned by the thousand by both mortgage lenders and the property courses that had previously filled their heads full of dreams. While buy-to-let mortgage products were disappearing from the lenders' best buy tables the various courses and companies operated by the so-called property gurus were disappearing from the property investment game. Anyone who had stumped up several thousand pounds for an "education" and had exchanged contracts on off-plan investment property was left wondering how they were supposed to finance the completion of their nest egg investments.]]></description>
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<item>
<title>The Future For Mortgage Brokers - Part 3</title>
<link>http://EzineArticles.com/1767240</link>
<guid>http://EzineArticles.com/1767240</guid>
<pubDate>Wed, 10 Dec 2008 13:06:42 -0600</pubDate>
<description><![CDATA[Unemployment is certainly a statistic that prudent mortgage brokers should keep an eye on during the coming year and beyond. Recent dramatic decreases in the Bank of England Base Rate will hopefully provide some sort of relief for businesses that are heavily financed and could have a knock-on affect of reducing the need for them to lose staff in order to survive.]]></description>
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<item>
<title>Is Buy-to-Let Still a Good Investment? - Part 1</title>
<link>http://EzineArticles.com/1763381</link>
<guid>http://EzineArticles.com/1763381</guid>
<pubDate>Tue, 09 Dec 2008 13:56:40 -0600</pubDate>
<description><![CDATA[Rewind a couple of years and the media was awash with stories of property investment successes and buy-to-let miracles. Mum and Dad investors throughout the country, and indeed the world, were becoming millionaires with the help of unprecedented capital gains on their often small property portfolios.]]></description>
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<item>
<title>The State of Self-Certification Mortgages - Part 1</title>
<link>http://EzineArticles.com/1754457</link>
<guid>http://EzineArticles.com/1754457</guid>
<pubDate>Fri, 05 Dec 2008 10:53:07 -0600</pubDate>
<description><![CDATA[Self-certification mortgages have endured a rollercoaster ride over the last few years. It seems only yesterday they were hailed as an innovative product and a Godsend to millions of self-employed workers who failed to reach the requirements of standard home loan products.]]></description>
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<item>
<title>The Future For Mortgage Brokers - Part 2</title>
<link>http://EzineArticles.com/1728971</link>
<guid>http://EzineArticles.com/1728971</guid>
<pubDate>Fri, 28 Nov 2008 10:53:40 -0600</pubDate>
<description><![CDATA[Estate agents, magazines, newspapers, websites, and even mortgage brokers were enticing people to buy almost any property they could get their hands on citing extraordinary historical capital growth rates as a basis for expecting the same growth in future years. Had properties around the world continued to grow at such alarming rates it is likely that the next generation would find it impossible to buy a home anywhere in the civilised world. It was clear that a bubble was forming, however nobody wanted to face reality and admit it. Times were go good that properties being secured by way of deposits even before a single brick had been laid while developers were planning and constructing a record number of properties on almost any piece of vacant land they could secure.]]></description>
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<item>
<title>An Unlikely New Mortgage Market</title>
<link>http://EzineArticles.com/1396335</link>
<guid>http://EzineArticles.com/1396335</guid>
<pubDate>Wed, 26 Nov 2008 09:19:05 -0600</pubDate>
<description><![CDATA[Much has been written about the sub prime mortgage crisis in the US and even more has been said. Most analysts placed the blame for the implosion in the credit market on the adverse credit mortgage. This is a type of home loan that is issued to a borrower with a less than impressive credit history and financial resume. However there is another factor which may have been overlooked. This same factor may be about to spur a mortgage bonanza in the least likely of places - Africa.]]></description>
</item>
<item>
<title>The Future For Mortgage Brokers - Part 1</title>
<link>http://EzineArticles.com/1705576</link>
<guid>http://EzineArticles.com/1705576</guid>
<pubDate>Thu, 20 Nov 2008 15:27:49 -0600</pubDate>
<description><![CDATA[It would be hard to find anyone in the Western world who has not head of the credit crunch by now. So much has been written and spoken about one of the biggest financial disasters in history that it seems almost as though society has become engulfed in it.]]></description>
</item>
<item>
<title>Buy-to-Let Benefits From Market Slowdown</title>
<link>http://EzineArticles.com/1396338</link>
<guid>http://EzineArticles.com/1396338</guid>
<pubDate>Tue, 12 Aug 2008 11:50:17 -0500</pubDate>
<description><![CDATA[The flagging property market has claimed many scalps over the past year or two. Most notable of these are specialist lenders who opened their doors to borrowers of questionable worth and home owners who have since been issued with repossession orders in record numbers. Amid all the chaos at least one section of the property community has benefited. Buy-to-let landlords have experienced a period of prosperity recently as they pick up the scraps from the ailing property market and let their properties out to battle weary first time buyers.]]></description>
</item>
<item>
<title>Adverse Credit Mortgage Investors Seek Help</title>
<link>http://EzineArticles.com/1379137</link>
<guid>http://EzineArticles.com/1379137</guid>
<pubDate>Wed, 06 Aug 2008 09:29:25 -0500</pubDate>
<description><![CDATA[Major financial institutions which hold billions of pounds in mortgage backed securities have been watching mortgagors default on their home loans in record numbers in recent times. Surprisingly these investors have not shored up their defenses against the rogue borrowers enough and as a result have been losing money hand over fist.]]></description>
</item>
<item>
<title>Time Heals All Wounds</title>
<link>http://EzineArticles.com/1379142</link>
<guid>http://EzineArticles.com/1379142</guid>
<pubDate>Wed, 06 Aug 2008 08:59:37 -0500</pubDate>
<description><![CDATA[The current mortgage and loan market has undergone a period of turmoil recently that has been felt all around the world. The full damage from the fallout from the turmoil has yet to be assessed and this is partly because the pattern of behaviour in the lending market is somewhat different to what it should be.]]></description>
</item>
<item>
<title>Hedge Your Remortgage</title>
<link>http://EzineArticles.com/1227568</link>
<guid>http://EzineArticles.com/1227568</guid>
<pubDate>Fri, 06 Jun 2008 11:02:41 -0500</pubDate>
<description><![CDATA[What a great life it would be if we could predict future interest rates. Imagine being able to wait it out on your remortgage until such a time as interest rates dropped by several percentage points, just as you knew it would. While this scenario is better placed in a science fiction movie there is a way to bet on the future price of home finance and always come up a winner.]]></description>
</item>
<item>
<title>Repackaging Adverse Credit Mortgages</title>
<link>http://EzineArticles.com/1227562</link>
<guid>http://EzineArticles.com/1227562</guid>
<pubDate>Fri, 06 Jun 2008 11:02:00 -0500</pubDate>
<description><![CDATA[What do you do with a massive package of adverse credit mortgages that no one wants to buy? This is the dilemma facing many financial institutions in the current economic climate. Several years ago it was easy to approve thousands of mortgages then bundle them together and sell them to a financial institution such as a pension fund which has billions of investors' funds to spend.]]></description>
</item>
<item>
<title>Mortgage Lending Hits a New Low</title>
<link>http://EzineArticles.com/1219285</link>
<guid>http://EzineArticles.com/1219285</guid>
<pubDate>Wed, 04 Jun 2008 11:28:09 -0500</pubDate>
<description><![CDATA[Approvals for home loans in the UK have hit the lowest level ever recorded for a single month. The blame has been set squarely on the credit crunch as lenders are not only finding it difficult to obtain the funds to lend to home owners but they seem unwilling to lend the funds they do have available.]]></description>
</item>
<item>
<title>Lenders Pull Self-Certification Mortgages</title>
<link>http://EzineArticles.com/1216730</link>
<guid>http://EzineArticles.com/1216730</guid>
<pubDate>Wed, 04 Jun 2008 08:20:03 -0500</pubDate>
<description><![CDATA[One of the world's biggest finance companies has pulled its self certification mortgage range from the market with immediate effect. The huge lender has their fingers in many different financial pies all around the world which means their UK self-cert loan book is tiny in the grand scheme of things.]]></description>
</item>
<item>
<title>Remortgaging Buy-to-Lets After Bridging</title>
<link>http://EzineArticles.com/1216728</link>
<guid>http://EzineArticles.com/1216728</guid>
<pubDate>Wed, 04 Jun 2008 08:19:14 -0500</pubDate>
<description><![CDATA[Getting into the buy-to-let property club can be difficult for novices particularly if they don't have much money to fund the enormous costs traditionally required to gain entry. These costs include substantial deposits, stamp duty, legal fees, mortgage fees, and potentially furniture and fixture costs depending on how the property is going to be set up for renting out to tenants.]]></description>
</item>
<item>
<title>Mortgage Brokers Favoured For Remortgaging</title>
<link>http://EzineArticles.com/1216727</link>
<guid>http://EzineArticles.com/1216727</guid>
<pubDate>Wed, 04 Jun 2008 08:18:36 -0500</pubDate>
<description><![CDATA[Recent figures released by the Council of Mortgage Lenders reveal that home owners in the UK are more likely to seek advice from intermediaries when they remortgage their homes. The alternative is for borrowers to apply to refinance their homes directly with lenders however it seems the majority of property owners favour impartial advice from mortgage brokers instead.]]></description>
</item>
<item>
<title>First Signs of Turnaround in the Remortgage Market</title>
<link>http://EzineArticles.com/1216726</link>
<guid>http://EzineArticles.com/1216726</guid>
<pubDate>Wed, 04 Jun 2008 08:17:49 -0500</pubDate>
<description><![CDATA[It has been all doom and gloom in the remortgage market for nearly two years now. The sub prime lending crisis in the US signaled the beginning of the end of a long period of prosperity in the worldwide property market in which mortgage lenders flourished. It seemed like everyone owned at least one property whether it is their own residence or a buy-to-let intended to line their pockets in years to come.]]></description>
</item>
<item>
<title>Releasing Equity With Buy-to-Let Remortgages</title>
<link>http://EzineArticles.com/1202917</link>
<guid>http://EzineArticles.com/1202917</guid>
<pubDate>Thu, 29 May 2008 15:02:23 -0500</pubDate>
<description><![CDATA[Equity has long been the golden egg of the property investing world. Build up enough equity in your property portfolio and you will never need to work again. Countless celebrity investors and seminar givers have championed the call for us all to buy property and build up equity so we can live the dream of telling our boss where to go and quitting our jobs once and for all.]]></description>
</item>
<item>
<title>Brokers Tell It Like It Is For Self-Certification Mortgages</title>
<link>http://EzineArticles.com/1202911</link>
<guid>http://EzineArticles.com/1202911</guid>
<pubDate>Thu, 29 May 2008 15:01:50 -0500</pubDate>
<description><![CDATA[Self-certification mortgages have not enjoyed a good reputation in the property market in recent years. Several years ago evidence emerged that some applicants were exaggerating their incomes in order to achieve bigger loans. It was alleged that a minority of applicants may have also been lying about their incomes altogether and may have actually been unemployed.]]></description>
</item>
<item>
<title>The Irony Of Remortgages</title>
<link>http://EzineArticles.com/1195814</link>
<guid>http://EzineArticles.com/1195814</guid>
<pubDate>Tue, 27 May 2008 15:24:16 -0500</pubDate>
<description><![CDATA[Recent news has emerged regarding the staff of a well known lender finding themselves in a position in which they cannot refinance their own homes. Such a circumstance is quite ironic in addition to being ridiculous and shameful. The staff may not be the only home owners finding it difficult to locate appropriate remortgages in the current financial climate but their situation is certainly the most bizarre.]]></description>
</item>
<item>
<title>Should The Government Rescue Adverse Credit Mortgages?</title>
<link>http://EzineArticles.com/1187201</link>
<guid>http://EzineArticles.com/1187201</guid>
<pubDate>Thu, 22 May 2008 11:37:26 -0500</pubDate>
<description><![CDATA[The Federal Government's apparent willingness to support the market for adverse credit mortgages in the United States raises the question as to whether the UK Government should consider doing the same. The House recently passed a allowing the Federal Housing Administration of providing insurance to lenders on mortgages that are in danger of becoming delinquent. While final legislation is still not a sure bet it begs the question of whether a similar scheme would work in the UK.]]></description>
</item>
<item>
<title>The Expanding Market For Self-Certification Mortgages</title>
<link>http://EzineArticles.com/1183024</link>
<guid>http://EzineArticles.com/1183024</guid>
<pubDate>Tue, 20 May 2008 14:58:09 -0500</pubDate>
<description><![CDATA[The market for self-certification mortgages is expanding rapidly along with the rest of the non-conforming lending market. This is mainly due to a rise in the number of self-employed people in the workforce. It is estimated that around one quarter of the workforce is now self-employed and the number is growing.]]></description>
</item>
<item>
<title>What To Expect With A Problem Remortgage</title>
<link>http://EzineArticles.com/1183011</link>
<guid>http://EzineArticles.com/1183011</guid>
<pubDate>Tue, 20 May 2008 14:56:41 -0500</pubDate>
<description><![CDATA[If you are an existing home owner with an adverse credit history and you wish to remortgage your property, you may be required to apply for one of many specialist remortgage products. Because of your credit impairments you may be excluded from applying for standard high street home loans and will therefore need to shop around.]]></description>
</item>
<item>
<title>All About Bad Credit Remortgages</title>
<link>http://EzineArticles.com/1183000</link>
<guid>http://EzineArticles.com/1183000</guid>
<pubDate>Tue, 20 May 2008 14:55:21 -0500</pubDate>
<description><![CDATA[In recent years, bad credit remortgages have become a popular choice for people looking to remortgage their property who have a bad credit history. While regular high-street banks may shy away from this type of home loan product, there are products available from various sub-prime lenders that may be suitable.]]></description>
</item>
<item>
<title>Bad Credit Mortgages With A Catch</title>
<link>http://EzineArticles.com/1182983</link>
<guid>http://EzineArticles.com/1182983</guid>
<pubDate>Tue, 20 May 2008 14:53:01 -0500</pubDate>
<description><![CDATA[People searching for bad credit mortgages should be wary of products which advertise low headline interest rates. Quite often, the mortgages that seem the best value on the surface turn out to be the most expensive in the long run. Borrowers should assess each bad credit mortgage based on its overall cost and not just the rate of interest that they will pay in the first few years. This rate is often lowered so that the lender can advertise their product more favorably.]]></description>
</item>
<item>
<title>Pushing The Boundaries Of Buy-to-Let Mortgages</title>
<link>http://EzineArticles.com/1182979</link>
<guid>http://EzineArticles.com/1182979</guid>
<pubDate>Tue, 20 May 2008 14:52:07 -0500</pubDate>
<description><![CDATA[Traditionally, buy-to-let properties were purchased by financially astute individuals or professional landlords with more than just a few properties in their portfolios by using a combination of cash and funds from buy-to-let mortgages.    However, as the popularity of buy-to-let property investing has increased, more and more people are using it as an investment vehicle to supplement their income and provide for their retirement. Many individuals who have joined the craze are not financially sound and have little knowledge of business or investing.]]></description>
</item>
<item>
<title>Warning For Adverse Credit Mortgage Fraud</title>
<link>http://EzineArticles.com/1176546</link>
<guid>http://EzineArticles.com/1176546</guid>
<pubDate>Fri, 16 May 2008 11:36:58 -0500</pubDate>
<description><![CDATA[The Financial Services Authority has been slowly ramping up its operations to target mortgage fraud in the UK by gathering enough evidence to successfully prosecute perpetrators. High on the list is fraud involving adverse credit mortgage products. This type of home loan is geared towards borrowers who are most at risk of default and are a prime target for fraudsters.]]></description>
</item>
<item>
<title>Adverse Credit Mortgage for Discharged Bankrupt</title>
<link>http://EzineArticles.com/1171974</link>
<guid>http://EzineArticles.com/1171974</guid>
<pubDate>Thu, 15 May 2008 08:56:51 -0500</pubDate>
<description><![CDATA[People who are discharged bankrupts are usually required to apply for an adverse credit mortgage when searching for a home loan to fund the purchase of their property. It is highly unlikely that an applicant with such a poor credit record will ever be able to apply for a standard product again.]]></description>
</item>
<item>
<title>Overview of Bad Credit Mortgages</title>
<link>http://EzineArticles.com/1171970</link>
<guid>http://EzineArticles.com/1171970</guid>
<pubDate>Thu, 15 May 2008 08:55:54 -0500</pubDate>
<description><![CDATA[It is estimated that a quarter of the UK population experience problems when applying for mortgages because of bad credit. Back in the time when only a small number of lenders offered mortgages to the general public, a bad credit file proved an insurmountable problem. Credit impaired applicants were turned down immediately by high street lenders and the affected potential home owners had nowhere else to turn.]]></description>
</item>
<item>
<title>Growing Demand for Buy-to-Let Mortgages</title>
<link>http://EzineArticles.com/1171967</link>
<guid>http://EzineArticles.com/1171967</guid>
<pubDate>Thu, 15 May 2008 08:54:53 -0500</pubDate>
<description><![CDATA[The constantly evolving buy-to-let mortgage market has been contributing to the increase in demand for investment properties ever since buy-to-let investing became a mainstream form of investing. Ever since buy-to-let mortgages were first introduced to the UK in the mid-1990s, demand for private rental properties has increased considerably.]]></description>
</item>
<item>
<title>Adverse Credit Mortgage Fees</title>
<link>http://EzineArticles.com/1166802</link>
<guid>http://EzineArticles.com/1166802</guid>
<pubDate>Wed, 14 May 2008 09:00:39 -0500</pubDate>
<description><![CDATA[If you suffer from credit impairments and need to apply for a bad credit mortgage product it does not mean that you will automatically need to use the services of a broker who will charge a hefty fee when helping you apply for a home loan. There are other options available such as finding a mortgage product by yourself or employing the services of a broker who charges reasonable fees.]]></description>
</item>
<item>
<title>Pathways to Adverse Credit Mortgages</title>
<link>http://EzineArticles.com/1166800</link>
<guid>http://EzineArticles.com/1166800</guid>
<pubDate>Tue, 13 May 2008 10:42:08 -0500</pubDate>
<description><![CDATA[There are many different ways you can negatively affect your credit history. If you cause enough damage to your credit file you may be forced to apply for adverse credit mortgages when looking to buy or remortgage your home. You should therefore be careful to keep your file clean of impairment as adverse credit mortgages often contain higher fees and interest rates than standard products.]]></description>
</item>
<item>
<title>Bad Credit Mortgages Contribute to Rising Repossessions</title>
<link>http://EzineArticles.com/1166799</link>
<guid>http://EzineArticles.com/1166799</guid>
<pubDate>Tue, 13 May 2008 10:41:38 -0500</pubDate>
<description><![CDATA[Repossession numbers in the UK are on the rise and are expected to increase further during the current year. Some analysts are putting the blame squarely on bad credit mortgages and the loose lending criteria of the past five to ten years.]]></description>
</item>
<item>
<title>When is a Self-Certification Mortgage Appropriate?</title>
<link>http://EzineArticles.com/1166797</link>
<guid>http://EzineArticles.com/1166797</guid>
<pubDate>Tue, 13 May 2008 10:40:51 -0500</pubDate>
<description><![CDATA[A self-certification mortgage is a home loan product designed for borrowers who may not be able to prove their income through traditional means such as tax records and pay slips. They were first made available to self employed individuals who could not produce the documentation required for a standard mortgage product from a high street lender.]]></description>
</item>
<item>
<title>Getting a Mortgage After Bankruptcy</title>
<link>http://EzineArticles.com/1164318</link>
<guid>http://EzineArticles.com/1164318</guid>
<pubDate>Mon, 12 May 2008 15:04:51 -0500</pubDate>
<description><![CDATA[If you have been made bankrupt you may think there is no chance you will ever be able to secure a mortgage again. It is true that while you are legally bankrupt you will not be able to successfully apply for finance, but once you have been discharged the situation can change.]]></description>
</item>
<item>
<title>Self-Certification Mortgages in the Clear</title>
<link>http://EzineArticles.com/1160946</link>
<guid>http://EzineArticles.com/1160946</guid>
<pubDate>Fri, 09 May 2008 13:37:45 -0500</pubDate>
<description><![CDATA[Following a report from the BBC's Money Programme, the FSA (Financial Services Authority) conducted its own investigation into self-certification mortgages and the practices undertaken by mortgage intermediaries when helping individuals apply for such loans. The original BBC investigation was triggered by information from the public that some brokers were falsifying information on self-cert mortgage applications and therefore committing mortgage fraud.]]></description>
</item>
<item>
<title>Remortgage Before Interest Rates Rise</title>
<link>http://EzineArticles.com/1160939</link>
<guid>http://EzineArticles.com/1160939</guid>
<pubDate>Fri, 09 May 2008 13:37:14 -0500</pubDate>
<description><![CDATA[Home owners throughout the UK may be about to learn a harsh lesson - that low interest, fixed rate mortgages may not be as good as they first appear. With hundreds of thousands of property owners about to remortgage their homes after their fixed rate mortgage term has expired, a reality check on a mass scale may be on the cards.]]></description>
</item>
<item>
<title>Buy-to-Let Mortgages Explained</title>
<link>http://EzineArticles.com/1160930</link>
<guid>http://EzineArticles.com/1160930</guid>
<pubDate>Fri, 09 May 2008 13:36:40 -0500</pubDate>
<description><![CDATA[According to figures, 10% of all homes bought in 2006 were via the buy-to-let mortgage option. Accounting for over ?17.5 billion, it's a number that looks set to grow, if 2007's trends are anything to go by. Looking at what a buy-to-let mortgage offers, it perhaps shouldn't be such a surprise that they're growing in popularity.]]></description>
</item>
<item>
<title>Buy-to-Let Mortgages Overview</title>
<link>http://EzineArticles.com/1160928</link>
<guid>http://EzineArticles.com/1160928</guid>
<pubDate>Fri, 09 May 2008 13:36:13 -0500</pubDate>
<description><![CDATA[Buy-to-Let mortgages are specialized products designed for situations in which residential property is purchased with the intention of letting it out. While many people may think they buy-to-let mortgages are a type of residential mortgage, they are in fact viewed by the Financial Services Authority as commercial mortgages. In this way they are similar to finance products secured on commercial properties.]]></description>
</item>
<item>
<title>Mixed Messages From the Buy-to-Let Market</title>
<link>http://EzineArticles.com/1159025</link>
<guid>http://EzineArticles.com/1159025</guid>
<pubDate>Thu, 08 May 2008 16:07:37 -0500</pubDate>
<description><![CDATA[With the greater property and mortgage market in the midst of the biggest upheaval since the Great Depression many are wondering what happened to buy-to-let. Several years ago buying property to rent out was more of an obsession than a pastime. Now it seems that all has gone on the buy-to-let front, but many are questioning whether it is in as much turmoil as the rest of the property market.]]></description>
</item>
<item>
<title>Where to Find Remortgages</title>
<link>http://EzineArticles.com/1159022</link>
<guid>http://EzineArticles.com/1159022</guid>
<pubDate>Thu, 08 May 2008 16:06:44 -0500</pubDate>
<description><![CDATA[The mortgage market is vastly different to what it was a few years ago. For the best part of this decade lenders have been heavily marketing and frantically approving millions of discount rate home loans that are designed to switch to a higher variable rate several years later. Lending criteria was loose and high property valuations common meaning that remortgages were easy to acquire.]]></description>
</item>
<item>
<title>CCJs and Bad Credit Mortgage Applications</title>
<link>http://EzineArticles.com/1159020</link>
<guid>http://EzineArticles.com/1159020</guid>
<pubDate>Thu, 08 May 2008 16:05:48 -0500</pubDate>
<description><![CDATA[A County Court Judgment is an order by a county court for one party to pay a sum of money to another party. This usually occurs because a dispute over an alleged debt has not been settled by the parties outside of the court system. County Court Judgments are also called CCJs and having one against your name can affect future mortgage applications.]]></description>
</item>
<item>
<title>The Changing Face of Self-Certification Mortgages</title>
<link>http://EzineArticles.com/1159013</link>
<guid>http://EzineArticles.com/1159013</guid>
<pubDate>Thu, 08 May 2008 16:05:16 -0500</pubDate>
<description><![CDATA[Several years ago self-certification mortgages were investigated by the Financial Services Authority. The FSA looked into the practices of mortgage brokers in the financial services industry as it was alleged that unscrupulous brokers were encouraging people to exaggerate their incomes on self-cert applications.]]></description>
</item>
<item>
<title>The Evolution of Green Mortgages</title>
<link>http://EzineArticles.com/1137536</link>
<guid>http://EzineArticles.com/1137536</guid>
<pubDate>Mon, 28 Apr 2008 14:21:32 -0500</pubDate>
<description><![CDATA[Several UK lenders have begun to bring green mortgages to the market following Gordon Brown's latest budget announcements. The term "green mortgages" refers to loans for properties that are considered to be environmentally ethical or that meet certain carbon output criteria. Different lenders have different criteria regarding what constitutes a green mortgage and what benefits they will offer the environment.]]></description>
</item>
<item>
<title>Homebuyers Information Packs</title>
<link>http://EzineArticles.com/1137534</link>
<guid>http://EzineArticles.com/1137534</guid>
<pubDate>Mon, 28 Apr 2008 14:21:07 -0500</pubDate>
<description><![CDATA[As well as the cost of getting a mortgage and buying a home, sometimes there are hidden costs that don't become apparent until after the purchase of your new home has been agreed, or the price set with the seller. These hidden costs are usually in the way of what a legal search on the property uncovers, or the valuation of the house may be significantly different from the agreed price.]]></description>
</item>
<item>
<title>Key Worker Mortgages</title>
<link>http://EzineArticles.com/1137527</link>
<guid>http://EzineArticles.com/1137527</guid>
<pubDate>Mon, 28 Apr 2008 14:20:36 -0500</pubDate>
<description><![CDATA[With the price of the average home in the UK now standing at around a staggering ?230,000, according to the Land Registry of England & Wales, getting onto the property ladder is becoming increasingly difficult. With most mortgages only allowing you to borrow up to 3 1/2  times your annual salary, and it's almost impossibility for first time buyers to get a foothold. However, it is a little bit easier if you're classed as a key worker, thanks to a government incentive.]]></description>
</item>
<item>
<title>Commercial Mortgages</title>
<link>http://EzineArticles.com/1137525</link>
<guid>http://EzineArticles.com/1137525</guid>
<pubDate>Mon, 28 Apr 2008 14:20:19 -0500</pubDate>
<description><![CDATA[Although most people would relate a mortgage to buying a home, they can also be used to buy a property that will be used by a company as a workplace. This can be for either business or commercial use, so it doesn't matter if it's for a shop, salon or office. These types of mortgage are known as commercial mortgages, and they have a few differences that set them apart from a regular homebuyer mortgage.]]></description>
</item>
<item>
<title>Buy To Let Mortgages Face Negative Equity</title>
<link>http://EzineArticles.com/1136323</link>
<guid>http://EzineArticles.com/1136323</guid>
<pubDate>Mon, 28 Apr 2008 14:18:27 -0500</pubDate>
<description><![CDATA[Tens of thousands of property owners may be at risk of negative equity this year if the prediction of falling house prices comes true. Leading organisations are estimating that property prices will fall by about five percent during the year which leaves almost no margin for error for the thousands of would-be property investors who bought properties with 95% buy-to-let mortgages during the past few years.]]></description>
</item>
<item>
<title>The Basics of Adverse Credit Mortgages</title>
<link>http://EzineArticles.com/1136322</link>
<guid>http://EzineArticles.com/1136322</guid>
<pubDate>Mon, 28 Apr 2008 14:16:15 -0500</pubDate>
<description><![CDATA[Adverse credit mortgages are arranged for home owners and first-time-buyers with impaired credit files. People with adverse credit are usually excluded from applying for mainstream mortgage products and are therefore forced to seek alternatives.]]></description>
</item>
<item>
<title>Self-Certs And Money Laundering</title>
<link>http://EzineArticles.com/1136320</link>
<guid>http://EzineArticles.com/1136320</guid>
<pubDate>Mon, 28 Apr 2008 14:15:38 -0500</pubDate>
<description><![CDATA[The Treasury has recently warned financial services firms to tighten their belts with regards to gaps in their services which could lead to money laundering activities by their clients. In particular the Government is targeting self-certification mortgages and the ability for applicants to defraud lenders by providing false information on mortgage applications.]]></description>
</item>
<item>
<title>Should You Get A Second Mortgage?</title>
<link>http://EzineArticles.com/1136309</link>
<guid>http://EzineArticles.com/1136309</guid>
<pubDate>Mon, 28 Apr 2008 14:14:47 -0500</pubDate>
<description><![CDATA[If you're a homeowner and you run into financial difficulties, there are a few options available to you to raise some quick cash. You can apply for a loan; maybe sell some items on eBay; or you can take out a second mortgage. This last option allows you the chance to have much more extra cash than a loan or eBay would. However, there are some pitfalls that you need to be made aware of.]]></description>
</item>
<item>
<title>Different Types Of Interest On A Mortgage</title>
<link>http://EzineArticles.com/1136304</link>
<guid>http://EzineArticles.com/1136304</guid>
<pubDate>Mon, 28 Apr 2008 14:14:27 -0500</pubDate>
<description><![CDATA[One of the most confusing parts of getting a mortgage and buying your own home can be the interest rates. From the myriad of choices available to how the interest is actually worked our, it can quickly become confusing if you're not sure what it all means. However, understanding what each type of interest means can help you make the right decision when it comes to choosing the mortgage you want to go with.]]></description>
</item>
<item>
<title>Buy-To-Let Up To The Challenge</title>
<link>http://EzineArticles.com/1129839</link>
<guid>http://EzineArticles.com/1129839</guid>
<pubDate>Fri, 25 Apr 2008 13:51:23 -0500</pubDate>
<description><![CDATA[There is no doubt that the buy-to-let market is about to face some challenging years. If you were to believe everything you read in the press about investment property you might think the entire property market was about to collapse under the weight of buy-to-let repossessions. Thousands of would be property millionaires have collectively lost millions of pounds due to poor investment decisions in recent years but many more investors have become substantially wealthy.]]></description>
</item>
<item>
<title>The Rising Cost of Remortgaging</title>
<link>http://EzineArticles.com/1129835</link>
<guid>http://EzineArticles.com/1129835</guid>
<pubDate>Fri, 25 Apr 2008 13:48:10 -0500</pubDate>
<description><![CDATA[As hundreds of thousands of UK home owners reach the end of the discount period on their fixed interest home loans most will look to remortgage to a new product some time this year. Only a few months go it seemed likely that most borrowers in this situation would opt for another short term fixed rate deal, however the credit crunch has changed the situation.]]></description>
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<title>The Big Pile of Debt</title>
<link>http://EzineArticles.com/1129831</link>
<guid>http://EzineArticles.com/1129831</guid>
<pubDate>Fri, 25 Apr 2008 13:47:19 -0500</pubDate>
<description><![CDATA[Consumers are borrowing more money than ever before. UK residents have built up a huge pile of debt in recent years and it is still growing. The total debt of over one trillion pounds comprises of both secured borrowing, such as mortgages and secured loans, and unsecured debts, including credit cards and personal loans.]]></description>
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<title>The Shifting Market of No Deposit Mortgages</title>
<link>http://EzineArticles.com/1127380</link>
<guid>http://EzineArticles.com/1127380</guid>
<pubDate>Fri, 25 Apr 2008 09:09:36 -0500</pubDate>
<description><![CDATA[Saving for a deposit to buy a home can be difficult during times of high property prices. This is particularly the case when the average price of a property rises above four times the average salary. This can make the task of saving for a deposit take several years, especially if property prices are continuing to rise.]]></description>
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<title>Foreign Currency Mortgages</title>
<link>http://EzineArticles.com/1127375</link>
<guid>http://EzineArticles.com/1127375</guid>
<pubDate>Fri, 25 Apr 2008 09:09:03 -0500</pubDate>
<description><![CDATA[In recent years a new type of mortgage product has entered the UK market - foreign currency mortgages. These mortgages are designed to help home owners save money on their home loan by saving on interest payments and reducing the balance through changes in the foreign currency markets.]]></description>
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<title>Assessing Remortgage Applications</title>
<link>http://EzineArticles.com/1112471</link>
<guid>http://EzineArticles.com/1112471</guid>
<pubDate>Fri, 18 Apr 2008 08:47:02 -0500</pubDate>
<description><![CDATA[If your home loan is costing you more money than it should or if you are nearing the end of a fixed interest rate or discounted rate period you may be preparing to remortgage. Switching mortgages is quite common in the UK with most home owners remortgaging on average about every seven years.]]></description>
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<title>The Retracting Self-Certification Mortgage Market</title>
<link>http://EzineArticles.com/1112436</link>
<guid>http://EzineArticles.com/1112436</guid>
<pubDate>Fri, 18 Apr 2008 08:46:28 -0500</pubDate>
<description><![CDATA[Once upon a time self-employed workers found it nearly impossible to get a mortgage unless they had an enormous deposit and a large income from their business activities that spanned many years. Those times may be about to return as lenders are pulling their self-certification mortgage products from the market as if they are tainted beef.]]></description>
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<title>What Mortgage Advice Should You Look For?</title>
<link>http://EzineArticles.com/1092331</link>
<guid>http://EzineArticles.com/1092331</guid>
<pubDate>Mon, 07 Apr 2008 14:52:30 -0500</pubDate>
<description><![CDATA[When you're looking to buy your first house, or possibly re-finance your existing mortgage, there are a whole host of mortgage advice options open to you. Some are better than others, however, so you need to know what type of advice you need for your individual requirements. As a guide, the basic information you should be looking for include:]]></description>
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<title>The Benefits of Using a Mortgage Broker</title>
<link>http://EzineArticles.com/1092329</link>
<guid>http://EzineArticles.com/1092329</guid>
<pubDate>Mon, 07 Apr 2008 14:51:53 -0500</pubDate>
<description><![CDATA[Buying a house can be complicated enough, but trying to sort out which mortgage is best, what the different rates are, etc, can be like trying to pick your way through a minefield. That's why using a mortgage broker is such a good idea, and one that more and more home buyers are starting to do.]]></description>
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<title>Offset Mortgages</title>
<link>http://EzineArticles.com/1086472</link>
<guid>http://EzineArticles.com/1086472</guid>
<pubDate>Fri, 04 Apr 2008 10:28:10 -0500</pubDate>
<description><![CDATA[One of the key reasons for anyone buying a house is because it can turn out to be one of the best investments you'll ever make. Everyone's heard of the saying "invest in property", and that's exactly what you're doing when you buy your own home. You're no longer paying "dead money" to rent; everything you pay now is helping towards a secure future for you.]]></description>
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<title>Non Standard Mortgages</title>
<link>http://EzineArticles.com/1086471</link>
<guid>http://EzineArticles.com/1086471</guid>
<pubDate>Fri, 04 Apr 2008 10:27:01 -0500</pubDate>
<description><![CDATA[Although you may think that there is just the one kind of traditional mortgage, whether it be a 100%, no deposit or interest only mortgage, there is also another kind, known as a non standard mortgage. This is for when the property you're buying isn't made of the normal brick and mortar construction; it could be steel frame, self-build or any other type of material.]]></description>
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