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	<title>house4sale &#187; Mortgages</title>
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	<link>http://www.repaymortgage.co.uk/blog</link>
	<description>information on the UK property market</description>
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		<title>Mortgage interest rates set to rise in 2010</title>
		<link>http://www.repaymortgage.co.uk/blog/2010/01/07/mortgage-interest-rates-set-to-rise-in-2010/</link>
		<comments>http://www.repaymortgage.co.uk/blog/2010/01/07/mortgage-interest-rates-set-to-rise-in-2010/#comments</comments>
		<pubDate>Thu, 07 Jan 2010 12:31:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Buy-to-Let]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[mortgage interest rates]]></category>

		<guid isPermaLink="false">http://www.repaymortgage.co.uk/blog/?p=717</guid>
		<description><![CDATA[Market analysts are now predicting that even if the Bank of England base rate is not increased in 2010 many lenders are likely to increase their rates. Some analysts such as Stephen Noakes, Lloyds Banking Group, are looking at the market consensus on bank base rates, the view was “Bank of England will first raise [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Self Certified Mortgages – a thing of the past?</title>
		<link>http://www.repaymortgage.co.uk/blog/2009/11/19/self-certified-mortgages-%e2%80%93-a-thing-of-the-past/</link>
		<comments>http://www.repaymortgage.co.uk/blog/2009/11/19/self-certified-mortgages-%e2%80%93-a-thing-of-the-past/#comments</comments>
		<pubDate>Thu, 19 Nov 2009 08:09:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[self certified mortgages]]></category>

		<guid isPermaLink="false">http://www.repaymortgage.co.uk/blog/?p=672</guid>
		<description><![CDATA[According to government statistics the number of self employed people is approaching 4 million, and there is an increasing trend of self employed.  But now we have a situation where around 4 million self employed people are struggling to get a mortgage, so why is this?
Put simply the new FSA regulations place more stringent tests [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mortgages available at 6 times your salary?</title>
		<link>http://www.repaymortgage.co.uk/blog/2009/11/10/mortgages-available-at-6-times-your-salary/</link>
		<comments>http://www.repaymortgage.co.uk/blog/2009/11/10/mortgages-available-at-6-times-your-salary/#comments</comments>
		<pubDate>Tue, 10 Nov 2009 07:31:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[mortages]]></category>

		<guid isPermaLink="false">http://www.repaymortgage.co.uk/blog/2009/11/10/mortgages-available-at-6-times-your-salary/</guid>
		<description><![CDATA[Despite then difficulty many property buyers face in obtaining a mortgage there are some lenders who have been easing their criteria for borrowers.
At Aliance &#38; Leicester they are currently (November 2009) offering up to SIX TIMES you annual salary based on the borrower earning £60,000 and having no other financial commitments.  This is a huge [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Why banks are not passing on cheap financing for property buyers</title>
		<link>http://www.repaymortgage.co.uk/blog/2009/11/02/why-banks-are-not-passing-on-cheap-financing-for-property-buyers/</link>
		<comments>http://www.repaymortgage.co.uk/blog/2009/11/02/why-banks-are-not-passing-on-cheap-financing-for-property-buyers/#comments</comments>
		<pubDate>Mon, 02 Nov 2009 08:37:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[property buyer mortgages]]></category>

		<guid isPermaLink="false">http://www.repaymortgage.co.uk/blog/?p=648</guid>
		<description><![CDATA[Apart from the cost of wholesale finance which we have blogged about earlier there is another factor coming into play.  The UK Government appears to be placing restrictions on state owned banks and influencing lending criteria at other banks in which the tax payer has a large stake.
One clear example is Northern Rock who last [...]]]></description>
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		<title>Barclays &#8211; Woolwich &#8211; mortgage rates cut</title>
		<link>http://www.repaymortgage.co.uk/blog/2009/10/22/barclays-woolwich-mortgage-rates-cut/</link>
		<comments>http://www.repaymortgage.co.uk/blog/2009/10/22/barclays-woolwich-mortgage-rates-cut/#comments</comments>
		<pubDate>Thu, 22 Oct 2009 06:40:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[mortgage interest rates]]></category>

		<guid isPermaLink="false">http://www.repaymortgage.co.uk/blog/?p=630</guid>
		<description><![CDATA[Some good news for property buyers with new announcements made about cutting mortgage interest rates.  It would seem that market competition is starting to increase which should be welcome news for most borrowers.
Specifically the Woolwich (part of Barclays) has announced cuts of 0.6% on its 3 year and 5 year fixed rate products. If you can [...]]]></description>
		<wfw:commentRss>http://www.repaymortgage.co.uk/blog/2009/10/22/barclays-woolwich-mortgage-rates-cut/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>FSA mortgage regulation &#8211; guidelines on assessing expenditure</title>
		<link>http://www.repaymortgage.co.uk/blog/2009/10/21/fsa-mortgage-regulation-guidelines-on-assessing-expenditure/</link>
		<comments>http://www.repaymortgage.co.uk/blog/2009/10/21/fsa-mortgage-regulation-guidelines-on-assessing-expenditure/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 07:49:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[FSA mortgage regulation]]></category>

		<guid isPermaLink="false">http://www.repaymortgage.co.uk/blog/?p=627</guid>
		<description><![CDATA[We have been taking a closer look at the FSA regulation being considered to reduce the risks in providing mortgages that may subsequently fall into arrears and have found a detailed list put forward as guidelines for lenders.
Expenditure is determined for the mortgage applicant and their dependants using 3 areas of assessment; committed expenditure, personal [...]]]></description>
		<wfw:commentRss>http://www.repaymortgage.co.uk/blog/2009/10/21/fsa-mortgage-regulation-guidelines-on-assessing-expenditure/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>FSA mortgage regulation – a step too far?</title>
		<link>http://www.repaymortgage.co.uk/blog/2009/10/20/fsa-mortgage-regulation-%e2%80%93-a-step-too-far/</link>
		<comments>http://www.repaymortgage.co.uk/blog/2009/10/20/fsa-mortgage-regulation-%e2%80%93-a-step-too-far/#comments</comments>
		<pubDate>Tue, 20 Oct 2009 07:55:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[FSA mortgage regulation]]></category>

		<guid isPermaLink="false">http://www.repaymortgage.co.uk/blog/?p=619</guid>
		<description><![CDATA[Many industry professionals and analysts are starting to comment on the FSA regulation aimed at helping to ensure more responsible lending.  From the many comments made so far the regulation seems to be not fully thought through and will almost certainly have consequences that (hopefully) the FSA did not intend.  Here are some examples:
A self-employed [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Mortgage ‘spending checks’, good or bad?</title>
		<link>http://www.repaymortgage.co.uk/blog/2009/10/19/mortgage-%e2%80%98spending-checks%e2%80%99-good-or-bad/</link>
		<comments>http://www.repaymortgage.co.uk/blog/2009/10/19/mortgage-%e2%80%98spending-checks%e2%80%99-good-or-bad/#comments</comments>
		<pubDate>Mon, 19 Oct 2009 07:29:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[mortgage spending checks]]></category>

		<guid isPermaLink="false">http://www.repaymortgage.co.uk/blog/?p=614</guid>
		<description><![CDATA[The FSA are to announce that lenders must take greater measures to evaluate the spending patterns of customers before providing them with a mortgage. Is this a good or bad thing?
It is clear that in some cases people who take out mortgages will “over spend” their budgets, and there is an argument that such people [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buy-to-let mortgages, the future costs could be higher</title>
		<link>http://www.repaymortgage.co.uk/blog/2009/10/14/buy-to-let-mortgages-the-future-costs-could-be-higher/</link>
		<comments>http://www.repaymortgage.co.uk/blog/2009/10/14/buy-to-let-mortgages-the-future-costs-could-be-higher/#comments</comments>
		<pubDate>Wed, 14 Oct 2009 06:29:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[buy-to-let mortgages]]></category>

		<guid isPermaLink="false">http://www.repaymortgage.co.uk/blog/?p=601</guid>
		<description><![CDATA[For over a year now it has been tough to get buy-to-let mortgages, banks have set ever higher hurdle rates for new lending; reduced LTVs, higher rental cover, and caps on the maximum number of mortgages provided. 
We took a cross-market sample of buy-to-let mortgages on offer as of 12 October 2009 to assess some of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mortgage tracker deals ending</title>
		<link>http://www.repaymortgage.co.uk/blog/2009/10/13/mortgage-tracker-deals-ending/</link>
		<comments>http://www.repaymortgage.co.uk/blog/2009/10/13/mortgage-tracker-deals-ending/#comments</comments>
		<pubDate>Tue, 13 Oct 2009 07:42:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[mortgage interest rates]]></category>
		<category><![CDATA[mortgage tracker]]></category>

		<guid isPermaLink="false">http://www.repaymortgage.co.uk/blog/?p=598</guid>
		<description><![CDATA[Two years ago many lenders were offering some incredible tracker deals with rates tracking the bank base rate very closely, and in some cases at a discount to the bank base rate.  The result has been many of those with base rate trackers from 2007 have been paying very low (in some cases zero) mortgage [...]]]></description>
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