MAIL ONLINE

Money - Mortgages

Savers stand to 利益 from the 25% cash 特別手当 if they 購入（する） a 所有物／資産／財産 of £250,000 or いっそう少なく, but rising house prices have made that more of a challenge. read

専門家s said 買い手s and 販売人s were still 心配するing a 削減（する） in the Bank of England's base 率, and 予報するd a bigger bounce in the market after that. read

Rents fell in several cities in the first three months of this year によれば new data, which will come as welcome news to tenants に引き続いて years of constant rises. read

Homeowners coming to the end of 直す／買収する，八百長をするd-称する，呼ぶ／期間／用語 取引，協定s agreed when 率s were much cheaper continue to 直面する 支払い（額） spikes, as the extent of 率 増加するs is 明らかにする／漏らすd. read

We work in London and both need to be in the office three days a week. Would a a place by the sea and a train 減刑する／通勤する still work out cheaper than our £2,200 London flat? read

直す／買収する，八百長をするd mortgage 率s have 辛勝する／優位d up since February, after almost six months of 連続した 率 削減（する）s by 貸す人s. read

Our calculator 許すs you to see how different mortgages stack up, compare 返済 and 利益／興味-only and see how much 利益／興味 you will 支払う／賃金 over the lifetime of a 貸付金. read

We explain everything from how to work out your 予算 and find your ideal home, through to 適用するing for your first mortgage and navigating the 合法的な 過程. read

The typical house deposit is now £60,000, but finding the best 利益／興味-支払う／賃金ing 貯金 account can help first-time 買い手s get there faster. read

My mortgage 仲買人 says an 協定 in 原則 will leave a 足跡 on my credit とじ込み／提出する, and isn't necessary - but the スパイ／執行官 says I need one. Who is 権利? read

In previous moves we've had a 調査する done as per the 条件s of getting a mortgage, but that doesn't 適用する now as we are mortgage-解放する／自由な. read

One in five mortgages for first-time 買い手s is for a 称する，呼ぶ／期間／用語 longer than 35 years - twice that seen just two years ago - and the 貸付金s 危険 未来 problems and far more 利益／興味. read

The 普通の／平均（する） house price 増加するd to £264,249 in May, によれば the building society - and it said the 近づいている 選挙 is not 始める，決める to 衝撃 the 住宅 market. read

Zoopla said the choice 利用できる to home 買い手s was helping to keep house prices in check, and that they had fallen by 0.1% in the 12 months to April. read

The 株 of new homes 存在 sold before they're built has dropped to a １０年間-low, によれば the 広い地所 スパイ／執行官 Hamptons. read

Homeownership の中で young adults has risen to a level not seen since 2010, によれば new 熟考する／考慮する by the 学校／設ける for 会計の 熟考する／考慮するs. read

She is 現在／一般に on a low 率 and can afford the 返済s, but I want to help her 支払う／賃金 off some of the mortgage balance. What's the best way and will there be 料金s and 税金 伴う／関わるd? read

The Bank of England is now likely to make its first base 率 削減（する） in August, によれば the 最新の 予測（する）s. read

When mortgage 率s began 狙撃 up, many 推定する／予想するd house prices to 落ちる - but they 高原d. Why has this happened, and how are homeowners affording to 支払う／賃金? read

Bank of England base 率 率 削減（する）s next month now look ますます ありそうもない after インフレーション （機の）カム in above what was 予測（する）. read

Most people I know think I should 支払う／賃金 off my home 貸付金. But am I 存在 too 防御の, and should I consider 投資するing it どこかよそで for 潜在的に better returns? read

Sales are up thanks to the 伝統的な seasonal uptick, but affordability is still 'stretched' for many 買い手s, the 所有物／資産／財産 portal said. read

広い地所 スパイ／執行官s' small print could tie 買い手s in for many months, 除外する 買い手s who won't use their in-house 仲買人 or even make them liable for two 始める，決めるs of selling 料金s. read

My girlfriend and I are looking to buy a home for £250,000 but we have only £5,000 in 貯金. Could a 99 per cent mortgages be 権利 for us? read

普通の／平均（する） mortgage 率s have been on the 増加する since the start of February - and mortgage 仲買人s say today's 告示s could 示す a change in direction. read

House prices climbed by 0.7% between February and March, によれば the 最新の 人物／姿／数字s from the Office for 国家の 統計（学）. read

We're often led to believe that house prices will always rise over the long-run. That it's one of the safest and soundest 投資s. read

The mortgage valuation said there is 'a 欠如（する） of owner occupiers living in the 即座の area' and my 使用／適用 was turned 負かす／撃墜する. Should I try a different 貸す人? read

The challenge of getting on the 住宅 ladder is 軍隊ing many to 賭事 with 退職 by taking on ultra-long mortgages, 警告するs former 大臣 Steve Webb. read

Homeowners who live in period 所有物／資産／財産s spend an 普通の／平均（する） of £70,000 to keep them looking good, によれば a new 熟考する／考慮する. read

There is a new 所有物／資産／財産 porn series in town - Buying London - which is 始める，決める to start DDRE 全世界の's 創立者 and boss Daniel Daggers (pictured). read

In this six-part series, we look at, how 世帯s are 対処するing and if a mortgage 危機 is 進行中で. read

Home 販売人s are having the 'wool pulled over their 注目する，もくろむs' by 広い地所 スパイ／執行官s looking for 付加 財政上の kickbacks. read

My mortgage 取引，協定 is ending in January 2025. 現在／一般に it's in 共同の 指名するs with my husband who has recently become self-雇うd in April this year. read

The Bank of England has now held base 率 since last summer and the next move is tipped to be a 削減（する）. Our calculator lets you work out what a move up or 負かす／撃墜する could cost you. read

The bank won't lend us as much as we thought, but the 販売人 won't 減ずる the price. What are our 選択s? read

The Bank of England has 選ぶd once again to 持つ／拘留する the base 率 at 5.25 per cent. read

House prices rose by 0.1% in April, によれば the 最新の 人物／姿／数字s from Halifax, に引き続いて a 0.9% 落ちる in March. read

広い地所 スパイ／執行官s and surveyors are 報告（する）／憶測ing that the usual spring bounce across the 所有物／資産／財産 market has failed to materialise. read

Almost a third of homeowners have let their mortgage slip の上に their 貸す人's 基準?variable 率 for at least a month - and doing so could cost them dearly. read

Many mortgage borrowers are continuing to 選ぶ for two-year 直す／買収する，八百長をするd 取引，協定s in the hope that 利益／興味 率s will be lower when they next come to remortgage. Is that still the 権利 move? read

貸す人s continue to 増加する 利益／興味 on their home 貸付金s, meaning borrowers may 行方不明になる out on the cheapest 取引，協定s unless they 行為／法令／行動する quickly. read

More than 20 貸す人s have 引き上げ（る）d their mortgage 率s this week, pulling some of the most 競争の激しい home 貸付金s from the market, 含むing several 取引，協定s below 5 per cent. read

My £32,000 mortgage is on a 直す／買収する，八百長をするd 率 for five years, ending in March 2025 by which time I will have about 18 months remaining on the 称する，呼ぶ／期間／用語. Do I have any 選択 other than an SVR? read

The 政府 is coming under 増加するing 圧力 to 改革（する） stamp 義務 to help reinvigorate the market and help first-time 買い手s.??? read

A number of best buys have disappeared from the market, meaning the lowest 率s 利用できる to borrowers have ticked up. read

These are the ten 地元の 当局 areas that have seen the biggest 所有物／資産／財産 price にわか景気s since March 2020, when the first lockdown began. read

Many of the cheapest mortgage 取引，協定s on the market are 消えるing, dashing hopes of homeowners that 率s might be about to 落ちる. read

The asking price of the typical newly-名簿（に載せる）／表（にあげる）d 所有物／資産／財産 rose by £4,207 in April to £372,324, driven by higher values on four and five-bed homes. read

The 所有物／資産／財産 portal has 明らかにする／漏らすd there are 20% more homes on the market than this time last year. What does that mean for 買い手s and 販売人s? read

Five mortgage 貸す人s have 発表するd they are 増加するing 率s in the 最新の blow to home 買い手s and anyone looking to remortgage. read

I own a one-bed leasehold flat in London and I'm looking to take a two-month sabbatical to go traveling in July. Am I able to rent it out on a short-称する，呼ぶ／期間／用語 basis while I'm away? read

存在 mortgage-解放する／自由な is attractive and would 除去する 率 不確定 - but staircasing would lower the rent. Which is the better 選択? read

With the help of data from Finder, we crunch the numbers on 予報するd mortgage costs and house price rises in the coming １０年間s. Will homeowners still be better off? read

The home buying 過程 is filled with jargon, and Zoopla asked people to explain 25 重要な 条件 to see how much they really understood. read

House prices remain わずかに lower than they were a year ago, によれば the 最新の 人物／姿／数字s from the Office of 国家の 統計（学）. read

所有物／資産／財産 専門家s say they are seeing rising numbers of enquiries from home 買い手s, 同様に as more 販売人s coming to market. read

MPowered Mortgages （人命などを）奪う，主張するs to be the fastest mortgage 貸す人 on the market, because it uses 人工的な 知能 or AI to 速度(を上げる） up 使用／適用s for borrowers. read

An unkempt home next door can put off a 可能性のある 買い手 - but what can 販売人s do to encourage them to clean their 行為／法令／行動する up? read

Mortgage 助言者s tell us how their 顧客s are 存在 衝撃d by higher 率s - from stretching their 貸付金 条件 switching to 利益／興味-only 取引，協定s or asking family for help. read

Peter Stimson of MPowered Mortgages says the UK should lead by the French example and have 明確に defined 支配するs around house building. read

The price of new homes is スピード違反 ahead of older ones. We look at what is happening across the UK, and whether housebuilders are 運動ing up prices by slowing 負かす／撃墜する construction. read

公式の／役人 人物／姿／数字s have 明らかにする／漏らすd that almost half of first-time 買い手s now rely on handouts from their nearest and dearest. read

所有物／資産／財産 prices fell in March, によれば the 最新の 人物／姿／数字s from Halifax, 代表するing the first 月毎の 落ちる since September. read

It 示すs the highest level for mortgage 是認s since September 2022, when 率s began to 急上昇する に引き続いて the 悲惨な 小型の-予算. read

House prices fell わずかに in March as the spring 所有物／資産／財産 market got off to a 淡褐色 start in the South but the North fared much better. read

A 所有物／資産／財産 会社／堅い has 明らかにする／漏らすd that first-time 買い手s have been behind 33% of house 購入（する）s in the UK this year, an 史上最高. read

It 現在／一般に takes an 普通の／平均（する） of 71 days on for homes to find a 買い手. Rightmove has looked at which areas （警官の）巡回区域，受持ち区域 that time, and which take a lot longer. read

We can't sell the home unless we 受託する いっそう少なく than what we paid for it, and neither can afford to buy 完全な on our own. What are our 選択s? read

Static house prices will be the story of 2024, によれば Zoopla, but that won't stop 買い手s from haggling big 割引s. read

The Bank's 人物／姿／数字s showed that nearly 50 per cent of mortgages 問題／発行するd in the fourth ４半期/4分の1 of last year were for 条件 of 30 years or more. read

Yorkshire Building Society's 取引，協定 could enable first-time 買い手s across England, Scotland and むちの跡s with a £5,000 deposit to 購入（する） a home valued at up to £500,000. read

Mortgage arrears have gone up as 率s have 急に上がるd, but there hasn't been a rise in repossessions. We look at how homeowners are managing higher home 貸付金 costs. read

My son and his girlfriend have been 拒絶する／低下するd a mortgage twice. Their credit 得点する／非難する／２０ is not a problem but they've been 拒絶する／低下するd on the grounds of 不十分な 解除する 準備／条項. read

While we don't know when the 選挙 will be yet, those planning to move may be 関心d that any changes in 政策 or general 不確定 could 影響する／感情 their 計画（する）s. read

HSBC has 減ずるd the 率s on its two, three and five-year 取引，協定s with a deposit of いっそう少なく than 10%, while also 引き上げ（る）ing 率s for those with larger deposits. read

I have just received an email from my mortgage 仲買人 警報ing me that my 現在の 取引，協定 is coming to an end in seven months' time. What are my 選択s? read

The Bank of England has 選ぶd once again to 持つ／拘留する the base 率 at 5.25%.?We explain why that has happened, and what it means for your personal 財政／金融s. read

We look at how higher mortgage 率s are 衝撃ing people's 財政／金融s - and how many are 行方不明の 支払い（額）s. read

House prices rose by 0.5% in January, によれば the 最新の 人物／姿／数字s from the Office for 国家の 統計（学）. read

普通の／平均（する） asking prices rose by 1.5% in March によれば the 所有物／資産／財産 website, which 明言する／公表するd that it may be it may be 'past the 底（に届く） of the market'. read

We're 罠にかける on a high mortgage 率 and it is giving us sleepless nights. Should we refinance our own home to try and get out of this buy-to-let nightmare? read

消費者 group Which? 設立する that 8.1% of mortgage 支えるもの／所有者s failed to 支払う／賃金 a 公共事業（料金）／有用性 法案, 貸付金 or credit card 支払い（額） in the month to March 8. read

It's ありそうもない to do much good if you stick one on an 普通の／平均（する） three-bed 半分, but when it comes to expensive homes there's something in a 指名する. read

Many 世帯s 直面する the prospect of much higher mortgage 率s - but how much more are they 現実に 支払う／賃金ing, and how is it 衝撃ing their 財政／金融s? read

疑惑 that the 最近の 緩和 in mortgage 率s is 'likely to 立ち往生させる' has 誘発する／引き起こすd 現在進行中の '警告を与える' in the 住宅 market, によれば the 王室の 会・原則 of 借り切る／憲章d Surveyors. read

People 試みる／企てるing to sort their mortgage are finding the best 取引，協定s are not staying around for long. read

My Mortgage is with Mortgages PLC which has now 知らせるd me that I still have?£60.314.87 to 支払う／賃金 off. I am 69 years old. I was under the impression I had been 支払う／賃金ing extra. read

Jeremy 追跡（する） wants to make more homes 利用できる for renters and first-time 買い手s, by changing the 支配するs for those that already own more than one home. But will his 計画（する） work? read

We have two children in 私的な school and are worried that we won't be able to afford it if 労働 課すs 付加価値税 on 料金s. read

Several of the UK's largest mortgage 貸す人s have 引き上げ（る）d their 率s today, as 利益／興味 on home 貸付金s continues to move 上向きs. read

Millions of mortgage borrowers will continue to 直面する a 財政上の shock over the coming years as they continue to 減少（する） off cheaper 直す／買収する，八百長をするd 率 取引，協定s. read

所有物／資産／財産 prices rose by 0.4% in February, によれば the 最新の 人物／姿／数字s from Halifax, 代表するing the fifth 月毎の rise in a 列／漕ぐ／騒動. read

Arjan Verbeek, 創立者 of mortgage 貸す人 Perenna says a market reliant on short-称する，呼ぶ／期間／用語 直す／買収する，八百長をするd 率 mortgages means borrowers aren't 保護するd against rising 利益／興味 率s. read

There is a perception that new homes are more expensive than the second 手渡す market, and 所有物／資産／財産 専門家s tend to agree with this 見解（をとる）. But that may not be true in all areas of the UK, as new data 明らかにする／漏らすs. read

Jeremy 追跡（する） decided not to 申し込む／申し出 home movers a stamp 義務 削減（する） in today's 予算, ahead of threshold rises next year which mean it could cost thousands more to buy a 所有物／資産／財産. read

House prices are 推定する／予想するd to 落ちる by around 2% in 2024, によれば the central 予測（する） from the OBR. read

The move brings the 税金 paid when selling a buy-to-let 所有物／資産／財産 closer to the 徴収する 告発（する），告訴（する）／料金d on other 投資s. read

I have a 25% deposit, but as a 選び出す／独身 person my income isn't enough to get a mortgage where I live. Can I buy a home somewhere else to rent out? read

People tell him he's throwing money away, but 略奪する Dix argues that his family have the 柔軟性 to move when they want - and he never has to spend 週末s doing DIY. read

人物／姿／数字s from the 貿易（する） 団体／死体 UK 財政／金融 showed the 割合 of first-time 買い手s 調印 up to 35 year mortgage 条件 攻撃する，衝突する a new 記録，記録的な／記録する. read

More than a fifth of mortgaged homeowners say their 返済s are stopping them from saving more for later life. read

所有物／資産／財産 prices rose in February 予定 to lower mortgage 率s, によれば the 最新の 全国的な house price 索引. read

I was thinking of taking £50,000 out of the flat I own to put 負かす／撃墜する as a deposit に向かって a 100,000 house I would buy. read

Anyone taking out a mortgage at the moment will likely be pondering the same questions - how long to 直す／買収する，八百長をする for? Should they 直す／買収する，八百長をする at all? read

The 率 Reducer 計画／陰謀, run by the 所有物／資産／財産 財政／金融 company Own New, will 申し込む／申し出 買い手s 率s as low as 0.99% if they buy a home with 確かな housebuilders and mortgage 貸す人s. read

The 所有物／資産／財産 portal 報告（する）／憶測s there are 11% more 買い手s in the market now than a year ago, while the number of agreed sales is up 15%. read

Growing numbers of homeowners who remortgage are 存在 軍隊d to 支払う／賃金 thousands of 続けざまに猛撃するs more for their home 貸付金 予定 to the value of their 所有物／資産／財産s 存在 削除するd. read

Homebuyers are 捜し出すing houses with environmentally friendly 昇格s such as solar パネル盤s, ３倍になる glazed windows and roof insulation. read

The 普通の／平均（する） downsizer could 打ち明ける more than £300,000 by moving from a four bed to a two bedroom home, new 分析 by the 所有物／資産／財産 会社／堅い Savills has 明らかにする／漏らすd.? read

The Co-operative Bank 階級d 30 UK cities on 普通の／平均（する） house price, 罪，犯罪 率s, traffic levels and life satisfaction, ーするために work out the 最高の，を越す 目的地 for first-time 買い手s. read

I want to help my daughter buy her first home by giving her the money she needs for a deposit. Are there mortgages for older people to help raise the money she needs? read

Homebuyers and homeowners looking to 捕らえる、獲得する a sub-4% mortgage 率 have until the end of today to 捕らえる、獲得する the last one before they?disappear. read

Our （選挙などの）運動をする has drawn support from 政治家，政治屋s and housebuilders who 述べる stamp 義務 as 反対する-生産力のある, anti-growth and an 経済的な dampener. read

My wife Danielle and I are 現在／一般に living our own 見解／翻訳／版 of Love it or 名簿（に載せる）／表（にあげる） it , the Channel Four television show 前線d by 所有物／資産／財産 王族 Kirstie Allsopp and Phil Spencer. read

Homeowners looking to remortgage will therefore have until the end of today to 捕らえる、獲得する Santander's five-year 直す／買収する，八百長をするd 率 at 3.99% with a £999 料金 大（公）使館員d. read

普通の／平均（する） newly-名簿（に載せる）／表（にあげる）d asking prices rose this month to £362,839, によれば the 所有物／資産／財産 portal - and more new homes are 存在 put up for sale, too. read

The house price prophet who 予測（する） the last two 所有物／資産／財産 衝突，墜落s years before they happened, has 警告するd of another 差し迫った にわか景気 and 破産した／（警察が）手入れする on the horizon. read

Britons coming to the end of their 直す／買収する，八百長をするd 率 mortgage 取引，協定s are in danger of finding themselves 落ちるing on to 率s up to 10 times higher . read

House prices 公式に fell last year, によれば the 最新の 人物／姿／数字s from the ONS, but while some 場所s had 二塁打-digit 落ちるs others saw 所有物／資産／財産 values continue to 急に上がる. read

My daughter has 分裂（する） with her partner, three years into a 10-year 直す／買収する，八百長をするd mortgage with Halifax. Can she port the 貸付金, and what are the 支配するs around that? read

Is it better to 支払う／賃金 as large a deposit as possible upfront to 減ずる the size of the mortgage, or to use a smaller deposit? read

I have received enough money to put an £85,000 deposit 負かす／撃墜する on a £120,000 home. As I am 近づくing 退職, what is the chance of getting a mortgage for the 残り／休憩（する）? read

We used the Help to Buy 貸付金 to buy our home in 2020, which is around £80,000. We want to 返す it but are wondering if we should instead 支払う／賃金 our mortgage to save 利益／興味. read

I'm worried about remortgaging as I don't have a 広大な／多数の／重要な credit history, and what's more worrisome is that I have no endowment to 支払う／賃金 it off when it ends. read

If we ported the mortgage, we would both 避ける 早期に 返済 告発（する），告訴（する）／料金s and I could keep our 現在の low 率 on my next home. Do I need my ex's 是認 to do it? read

I 購入（する）d with myself and my brother in-法律. I had put 負かす／撃墜する all the deposit for the house and make all the 支払い（額）s but he was put on a 共同の 使用／適用 to try and 上げる what we can borrow. read

The problem wasn't discovered in the 調査する when she bought the house, and now we are worried she might struggle to remortgage or sell it. read

I find myself in a fortunate position where my 貯金 now 越える the remaining 量 on my mortgage. I'm trying to decide what the best thing is to do financially. read

Should I cash in my 25% 税金 解放する／自由な lump sum from direct 出資／貢献 年金, ーするために 減ずる the 量 of 利益／興味 I would have to 支払う／賃金 on the mortgage? read

We have £35,000 left to 支払う／賃金, and could （疑いを）晴らす the balance with our 貯金 and some family help. The 代案／選択肢 is to remortgage on to a higher 率. Should we do it? read

I want to take advantage of high 直す／買収する，八百長をするd-称する，呼ぶ／期間／用語 貯金 率s, and then 支払う／賃金 the money 支援する in to my mortgage 加える 利益／興味 in a few years' time. Is that possible? read

My daughter is terrified of losing her home, which she?bought 15 years ago when she and her husband were newly married. read

I wonder if you could give some advice regarding a mortgage my son has with 全国的な. read

I'm 56 and my wife is 54 - and finally, we are ready to buy a home. However, mortgage 仲買人s say there is nothing 利用できる because of our age. Is that 権利? read

As we both 計画（する） to buy a new 所有物／資産／財産, would it be possible for one of us to port the 取引，協定 to a new mortgage and 避ける an 早期に 返済 告発（する），告訴（する）／料金? read

I took out a five-year 直す／買収する，八百長をするd 率 mortgage with Santander four years ago. My circumstances have changed and now I need to move. read