UK Secured Loans Blog: May 2006

Wednesday, May 31, 2006

House prices driven by London growth

New figures from property website Hometrack have revealed that house prices in the UK grew at their highest rate for nearly two years in April.

It has been claimed that property prices increased by 0.5 per cent last month, with the average house now costing £162,500.

This growth was primarily driven by London and the south-east, with prices remaining unchanged in 60 per cent of the country and rising by 1.1 per cent in the capital.

The housing market in London seems to be separating from the rest of the UK, with it now taking 4.5 weeks to sell a property in the capital, compared to 9.3 weeks in the East Midlands and 8.4 weeks in Wales.

Whilst house prices have moved higher over April there has been a slowdown in the proportion of postcodes registering price rises.

Given the affordability pressures across the market and limited impetus for house price growth in the regions away from London we expect levels of market activity and growth to slow in the run up to the summer and the World Cup.

The strength of the London market is as a result of demand continuing to exceed supply.

Nemo´s typical rate is 9.0% APR variable. A NEMO LOAN IS SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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Tuesday, May 30, 2006

Brits failing to take advantage of ISAs

Two-thirds of British consumers are chucking away £1.25 billion a year in ISA tax breaks, according to research from First Direct.

The company said that Brits are failing to use the tax-free savings offered through ISA products. Each year for the last four years 12 million people have signed up, but only around 16 million have joined up since 1999.

"This suggests that for the vast majority, it's the same savvy savers who are signing up year after year," said Ben Dunn, head of marketing at the online bank, on April 3rd 2006.

"With around 30 million savers in the UK, and around 28 million income tax payers too many people are still missing out on one of the easiest tax breaks available."

There is plenty of time to use allowances for the new tax year and individuals are advised to take advantage of this year's allowance.

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Sunday, May 28, 2006

Debt consolidation for financially troubled Brits

High debt and poor savings levels have left many Britons in a worrying financial situation, a new study has indicated.

Figures from Combined Insurance have found that over half (52 per cent) of Britons have less than £500 in savings, while 38 per cent do not have anything saved up.

With the average consumer required to fork out £954 a month for their financial commitments, the majority of Britons would find themselves in debt with no way of making payments if they lost their income for less than three weeks.

This demonstrates the precarious financial situation of many UK residents, who may want to consider acquiring debt consolidation loans in order to better manage their finances.

"The modest amount of savings put aside by millions of Britons shows just how seriously a loss of income could affect us, and our families," remarked Nigel Brittle from Combined Insurance.

Young Britons were perhaps unsurprising found to be with the least amount of savings. Nearly half of those in their twenties do not have anything saved, leaving them able to stay out of the red for only four days if they unexpectedly lost their income.

Debt consolidation loans can be a good option for those experiencing financial difficulties, rather than allowing problems to pile up.

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Thursday, May 25, 2006

New mums may need secured loans

Working mums in the UK and Ireland struggling due to low maternity pay may want to consider taking out secured loans to help them with their finances.

Research by Mercer Human Resource Consulting has found that women in the UK and Ireland are provided with the least amount of statutory maternity pay in Western Europe.

In addition, British women receive lower entitlements than new mothers in some eastern European countries.

Having a child is extremely expensive and new mothers can do with all the financial help they can get. The low statutory maternity pay may require some to acquire secured loans to help ease the financial burden.

In Denmark and Norway, female workers receive more than twice the amount of benefits as women in the UK, it was discovered.

"Laws have been extended in the UK to offer women longer maternity leave, yet pay levels are still very low compared to the rest of Europe," remarked Mark Sullivan, worldwide partner in Mercer London.

Women in the UK are entitled to 26 weeks paid maternity leave and an extra 26 weeks unpaid leave.

New mothers considering taking out secured loans are urged to shop around to find the best deal on the market.

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Wednesday, May 24, 2006

Home credit loans 'uncompetitive'

Home credit customers have been overcharged for their loans by around £100 million in the last five years.

According to a provisional report from the Competition Commission (CC), a shortage of competition in the market means that borrowers are being charged on average £9 for every £100 borrowed.

It was found that six large lenders represent around 90 per cent of the home credit market, with one accounting for over half.

Home credit lenders offer small unsecured loans through agents who call at customer's homes.

"Customers value home credit because it suits their needs very well but the fact is that they are paying too much for it, because of the lack of competitive pressure in the market," commented Peter Freeman, chairman of CC.

The final report from CC on this issue is to be published in the summer, while the commission intends to begin investigating methods for increasing competition in the market.

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Tuesday, May 23, 2006

Brits to spend billions on second hand cars

Around 5.3 million Britons are intending to purchase a second hand car before August, new research has found.

Those planning to buy a second hand motor intend to fork out £5,104 each, totalling £27.05 billion, according to Sainsbury's Bank.

This figure is 11.4 per cent higher than the period from October 2005 to March 2006 when 5.06 million Britons were proposing to pay £4,799 each for a second hand car, or £24.28 billion in total.

Sainsbury's Bank is advising potential car buyers to research the value of a vehicle carefully before making a purchase.

"Having knowledge of the car's market value will help you get a good price and protect you from losing out on a deal," commented Steven Baillie, loans manager for Sainsbury's Bank.

"You should also be prepared to haggle when buying a car as it could save you hundreds or even thousands of pounds."

Many people are expected to seek out low APR personal loans in order to finance their car purchase.

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Sunday, May 21, 2006

Property price growth slows considerably

Property price inflation in the UK "cooled sharply" in April, a new report from Nationwide has revealed.

According to the building society's House Price Report, prices increased by just 0.1 per cent in April, following a 1.1 per cent growth in March.

The average price of a home now stands at £163,573 and the yearly rate of growth is 4.8 per cent, a drop from 5.3 per cent last month.

"The cooling in prices in April was not unexpected given the surge in March and shows the wisdom of not placing too much emphasis on one month's set of numbers," commented Fionnuala Earley, Nationwide's group economist.

"However, the underlying picture remains reasonably healthy as demand conditions have remained quite firm."

Ms Earley explained that despite the fall in mortgage approvals in February, from 121,000 to 115,000, this figure still remains higher than average, and she is not expecting a considerable decline in house price growth.

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Saturday, May 20, 2006

Cost of moving home rockets

The cost of moving to a more expensive property has increased significantly over the past few years, according to a new report.

A study by the Woolwich claims that stamp duty is having a large impact on the final cost of moving.

The transaction costs of moving from a semi to a detached house have risen by 176 per cent in the past six years due to the three per cent stamp duty imposed on houses above £250,000.

"It's at the top end of the market that people are getting unsettled by headline numbers like £25,000 to move up from a semi-detached to a detached house," said a Woolwich spokesperson.

The Woolwich claims that the transaction costs of moving from a moderately priced terraced house to an average-priced semi have risen by 59 per cent since 2000, well down on the 95 per cent increase in house prices during the same period.

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Friday, May 19, 2006

Garden makeover for higher house value

Britons wishing to add value to their properties can do so through a garden makeover, it has been claimed.

According to a new study by Saga Insurance, a huge 82 per cent of Britons consider the garden as the key feature when house-hunting, reports easier.com.

Improving a garden can also prove a more enjoyable and cost-effective way to increase the value of a home, which can be vital considering the current competitiveness of the property market.

Home improvement loans can help homeowners finance any major projects they wish to conduct.

"Whether you're improving the kerb appeal of your house in preparation for sale or enhancing your living space purely for pleasure, this research shows that the impact a garden has on both property prices and emotional fulfilment can never be underestimated," remarked Andrew Goodsell, chief executive of Saga.

The survey found that even younger generations are acknowledging the benefits of garden enhancements, with 44 per cent of 19 to 30-year-olds claiming to have considerably increased their home's value though improvements to the garden and area surrounding the house.

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Wednesday, May 17, 2006

MPC 'to keep interest rates unchanged'

The cost of borrowing is likely to remain the same in the near future, analysts have suggested, following the publication of the minutes of the last monetary policy committee (MPC) meeting.

It has been revealed that the Bank of England body which sets interest rates voted seven to one in favour to keeping the rate at 4.5 per cent, which has been in place since the quarter point cut last August.

"For now the differences between members are minor and, what differences there are, are not being tested as quarterly GDP growth is back around trend and inflation is at target," remarked John Butler, economist at HSBC.

"That means that for now interest rates are on hold but increasingly sterling and import prices are holding the key to the timing and direction of the next move in interest rates,"

The MPC believes the UK economy may be rebalancing, with factors such as higher energy prices and the weakening of the exchange rate leading to this conclusion.

Some analysts believe that this expected rebalancing is to keep borrowing costs on hold for some time.

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Home improvement spending rockets

The amount spent by Britons on DIY in the last ten years has soared, a new study has revealed, with many homeowners hoping to increase the value of their property.

Research by Halifax has found that spending on DIY has escalated by 76 per cent over the last decade, even after allowance for the rise in prices.

Spending has increased from £6.4 billion to £11.3 billion in the last ten years, as the competitive housing market encourages Britons to make improvements to their homes in order to boost its value.

"Spending on DIY has risen substantially over the past ten years, although there was a pause in spending in 2005, in line with the slowdown in the housing market," remarked Tim Crawford, group economist at Halifax.

DIY spending is strongest in the south of England, while rises have also been seen in the north of England, Scotland and Wales.

Homeowners wishing to make a considerable change to their home, such as a loft conversion or new kitchen, may wish to look at home improvement loans as a way of financing the project.

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Tuesday, May 16, 2006

Borrowing more can cost less

Acquiring a smaller loan can often cost consumers more than a bigger loan, new research has found.

According to a study by moneyfacts.co.uk, many lenders offer lower interest rates on larger loans compared to smaller amounts.

The tier-based system used by the majority of lenders means that borrowing more can actually prove to be better value than opting for a smaller loan.

"Depending on the lender's exact loan amount requirements it may be worth some consumers borrowing just that little bit extra to push them into the next tier," remarked Lisa Taylor, an analyst from moneyfacts.co.uk.

Ms Taylor claimed that the highest rate offered by a lender can be double or even triple the lowest rate, depending on the amount borrowed.

Consumers looking for low APR personal loans are therefore advised to study interest rates carefully and consider borrowing a slightly higher amount if it proves beneficial.

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Monday, May 15, 2006

Spring clean finances this Easter

Consumers wishing to take out a personal secured loan are being advised to shop around for the best deal this Easter.

Research by the comparison website moneysupermarket.com claims that by taking time to look for the best deals on a personal secured loan, considerable savings can be made.

The internet is a quick and efficient way to compare deals, with loan information easily available from companies.

Richard Mason, a director at the firm, commented: "It is always a good idea to spring clean your finances – spring or not – but the bank holidays give you a bit of time to sit down and do this.

"The internet offers an opportunity for consumers to utilise quick and effective search tools and find some of the best deals in the market – you might be on holiday, but the internet certainly won't."

According to moneysupermarket.com, families can save £3,000 a year through reviewing their personal finance products and providers.

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Friday, May 12, 2006

Lending levels soar in March

Mortgage lending to Britons soared in March, according to new figures from the Council of Mortgage Lenders (CML).

Gross mortgage lending hit £28.3 billion in March, a 26 per cent growth on the previous month and the highest figure for the month on record.

This suggests that the housing market is picking up following the traditional slowdown in house buying during the winter period.

However, it was pointed out by the CML that lending during autumn and winter was strong, due to high consumer confidence and steady house prices.

"House-buying activity was particularly strong around London reflecting high city bonuses, and this is probably a factor behind the strength of lending," remarked CML director general Michael Coogan.

"Mortgage approvals remain high, but the upward trend in seasonally adjusted approvals for house purchase witnessed over the past year seems to be drawing to an end," Mr Coogan added.

Although the CML believes activity may be "peaking", demand for remortgages is predicted to remain high during the coming months.

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Thursday, May 11, 2006

Car buyers advised to opt for loan

Taking the time to look for a low APR personal loan instead of agreeing to dealer finance on a large purchase could save you a substantial sum, according to a new report.

A study by MoneyExpert.com claims that consumers should seriously consider shopping around for a loan to finance a hefty purchase such as a car.

The firm states that despite the incentives that dealer finance packages offer customers, they often present poor deals.

The PR & communications manager at MoneyExpert.com, Alexander Cowen Wright, said that many firms offer poor value deals because the majority of consumers are ignorant of their disadvantages.

"People pay it so they can continue to offer it," he explained. "If people are taking those products they are paying over the odds."

"We want to point out to a wider field of people the savings they can make if they shop around," Mr Cowen added.

Loans offering a tailored deal that take repayments and credit history into account in addition to competitive rates can be found if consumers are prepared to spend the time searching for them.

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Wednesday, May 10, 2006

Young 'sensible with borrowing'

Despite twentysomethings being commonly perceived as irresponsible with money, they are generally sensible with their borrowing, according to a new report.

A study by Alliance & Leicester found that although the average 18 to 29-year-old is in £7,718 of debt, 46 per cent of this is the result of large student loans that are yet to be paid back.

The report added that this age group pays 3.1 per cent of its income on interest costs, the same percentage as those in the 30 to 50-year-old bracket pay on non-mortgage debts.

If student loans are ignored, it was the 30 to 50 age group that spent the largest percentage of their income on unsecured loans at 22.5 per cent.

The managing director of Alliance & Leicester Retail Banking, Chris Rhodes, said: "Student loans are their largest commitment and whilst the interest on these are low, it still seems to constrain their appetite for other debt.

"The interest burden of this age group is not out of line with older groups."

However, the under-30s had by the far the lowest amount of savings of any age group, at an average of just under £4,000.

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Tuesday, May 09, 2006

House prices causing debt

First time buyers and existing property owners are finding themselves in increasing levels of debt, reports Reuters, thanks to the rising cost of buying a property.

Surging house prices and large mortgage repayments are forcing more homeowners to take out bank loans or credit cards in order to manage their finances.

Figures show that one in ten first time buyers now relies on a loan or card to fund their deposit, while a fifth are opting to take out a 100 per cent mortgage agreement to cover the costs.

"The levels of debt that first time buyers now have to take on to buy a home is dangerous," agreed David Bexon, managing director of smartnewhomes.com.

Some financial advisors suggest that new homeowners may wish to consider acquiring debt consolidation loans to organise their finances after the expense of getting a foot on the property ladder.

Even those who already own a property are suffering from related debt problems, with an increase in levels of mortgage equity withdrawal in the previous quarter, up from £8.9 billion to £11.8 billion, supporting this claim.

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Monday, May 08, 2006

Brits desire overseas property

Many Britons want to invest in property abroad, according to a new survey.

Banco Halifax Hispania, the Spanish subsidiary of British bank Halifax, found that almost a third of Britons would like to buy some property overseas, with the majority (18 per cent) saying they would like to move to either the US or Australia.

In Europe, the most popular destination among Brits remained Spain, with six per cent saying that they would like to move to the hot Mediterranean country. The Caribbean was the fourth most attractive location, with Canada and New Zealand tied for fifth.

Those hoping to purchase a property abroad may want to consider second mortgage loans to cover the cost of the investment and many firms are able to help with the complex legal world of getting an overseas mortgage.

For instance, the Spanish legal system contains "slight procedural differences and different jargon, such as evaluators rather than surveyors", he said.

"As long as care is taken over the choice of bank and some initial checks carried out, such as the bank's ability to deal with British residents in English, all these differences are capable of being explained," Mr Smith added.

"Therefore, the whole process becomes no more complex than buying a property within the UK."

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Sunday, May 07, 2006

Running a home costs over £10k

The average cost of running a modern day home has overtaken the £10,000 mark, according to recent research.

Latest figures, published annually, indicate that homeowners spend around £10,048 on running their house, taking into account the cost of mortgage repayments, bills, insurance and repairs.

The research, carried out by Sainsbury's Bank, found that costs had significantly increased over the last two to three years, with mortgage repayments taking up a huge 59 per cent of the costs.

Alterations and improvements accounted for 13 per cent, while council tax and gas were close behind.

However, shopping around and switching products can help to save money, while to help finance the cost of running a household, homeowners may want to consider taking out a secured loan.

"The costs involved in running a home are rising," Karen Preston, home insurance manager at Sainsbury’s Bank explained, on April 3rd 2006.

"This makes it all the more important for homeowners to shop around in order to make sure they are getting the very best deals available, not just on home insurance but the collective running costs, everything from your mortgage to gas supply."

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Friday, May 05, 2006

Brits ignore savings opportunity

Britons missing out on interest-free savings gave the Treasury an extra £3.56 billion last year, it has been revealed.

Over three quarters of UK savers have failed to take advantage of one of the Chancellor's "few remaining tax breaks", the individual savings account (ISA), according to research from the Portman Building Society.

Brits are paying 22 per cent income tax on interest earned when this could be avoided by simply transferring up to £3,000 into tax-free ISAs.

"Cash ISAs are one of the most efficient, secure and simple ways to save," said Matthew Wyles, Portman's development director, on 22nd March 2006.

"Tax-paying savers are simply pouring money down the drain if they save in ordinary taxable accounts before using their ISA allowance."

Mr Wyles said that "the level of waste is staggering", referring to the 23 million people who are not using their tax-free allowance in the UK.

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Wednesday, May 03, 2006

The UK's buy to let market is looking forward to a promising year, if a new survey is to be believed.

The Mortgage Trust published its research on March 13th 2006 which revealed that the majority of intermediaries are confident that the market will continue to grow over the course of 2006 and many believe that the next three months will provided evidence of a further upturn in the market.

According to the data, 70 per cent of buy to let intermediaries are of the opinion that house prices will rise in the coming quarter, between April 2006 and July 2006, while 58 per cent also expect to see rental yields increase.

And buy to let investors that already have property are expected to make up a substantial proportion of the new business over the next three months.

Intermediaries polled by the Mortgage Trust stated that remortgages are expected to account for 45 per cent of intermediaries' workload, compared to 37.5 per cent a year ago, as landlords look to add to their portfolios.

Nicola Severn, marketing manager at the Mortgage Trust, commented that the research highlighted the fact that there had been "a definite upswing for the buy to let sector" in recent months.

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Monday, May 01, 2006

Britons prefer simple home improvements

UK homeowners are increasingly opting for simple, smaller home improvements which increase the value of their home with the least amount of cost and effort, according to new research.

The Halifax Home Improvement Survey has found that 46 per cent of homeowners made improvements to their property last year to add to the value of their home.

Decorating is the most common task undertaken, with 75 per cent of DIY-ers replacing wallpaper or adding a new coat of paint.

"The continued desire to improve their homes shows that people are taking a responsible attitude towards their properties and enjoying making the most of them," remarked Donna Spencer, head of secured lending at Halifax.

"DIY-ers appear to be favouring simple, straight forward, inexpensive home improvements, which add value and update the look of an entire house, without the need for specialised materials or tools."

Home improvement loans may enable homeowners to make more dramatic changes to their properties, such as adding a loft conversion or re-designing the kitchen.

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Wednesday, May 31, 2006

House prices driven by London growth

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Tuesday, May 30, 2006

Brits failing to take advantage of ISAs

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Sunday, May 28, 2006

Debt consolidation for financially troubled Brits

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Thursday, May 25, 2006

New mums may need secured loans

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Wednesday, May 24, 2006

Home credit loans 'uncompetitive'

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Tuesday, May 23, 2006

Brits to spend billions on second hand cars

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Sunday, May 21, 2006

Property price growth slows considerably

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Saturday, May 20, 2006

Cost of moving home rockets

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Friday, May 19, 2006

Garden makeover for higher house value

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Wednesday, May 17, 2006

MPC 'to keep interest rates unchanged'

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Home improvement spending rockets

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Tuesday, May 16, 2006

Borrowing more can cost less

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Monday, May 15, 2006

Spring clean finances this Easter

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Friday, May 12, 2006

Lending levels soar in March

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Thursday, May 11, 2006

Car buyers advised to opt for loan

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Wednesday, May 10, 2006

Young 'sensible with borrowing'

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Tuesday, May 09, 2006

House prices causing debt

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Monday, May 08, 2006

Brits desire overseas property

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Sunday, May 07, 2006

Running a home costs over £10k

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Friday, May 05, 2006

Brits ignore savings opportunity

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Wednesday, May 03, 2006

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Monday, May 01, 2006

Britons prefer simple home improvements

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