Market Insights

Stay ahead of the game: Expert analysis and advice for Expats and foreign nationals buying UK property

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The UK mortgage market can be a challenging landscape for high net worth individuals, especially those earning abroad. Recent research from Investec highlights a significant issue: a vast majority of high net worth individuals face mortgage rejections or are forced to accept lower loan-to-value ratios due to lenders' inability to understand complex remuneration structures. This problem […]
Several factors could contribute to a resurgence in the UK housing market in 2024:  Mortgage Pricing War and Interest Rate Cuts:   A mortgage pricing war and anticipated Bank of England interest rate cuts could rejuvenate the UK housing market. Lower mortgage rates make home buying more affordable, potentially stimulating demand. However, the decision by […]
In our 2024 predictions, we foresee several international events that could significantly impact the global economy and political landscape.  United States Politics The U.S. will be in the spotlight due to the upcoming presidential election. Former President Donald Trump is odd-on favourite to secure the Republican party nomination, potentially choosing a female running mate. However, the […]
As the Bank of England Policy Committee meeting approaches on 3rd August 2023, there's growing anticipation about the future of interest rates. The recent rate rise of 0.5%, higher than expected, has stirred discussions among lenders and analysts. However, indications of a potential hold on rates during the upcoming meeting are gaining momentum. Several lenders, including TSB and Cooperative, have already lowered their 3-year fixed rates, with some first-time buyer 5-year fixed rates following suit. As inflation becomes less of a concern, the political landscape comes into focus, with the conservative government aiming to demonstrate economic control ahead of the 2024 general election. In this blog post, we will delve into the key factors influencing the mortgage market, the prospects of interest rate changes, and the potential opportunities for overseas investors and British ex-pats amidst the evolving landscape. Stay tuned to discover essential insights that can help you navigate the dynamic UK mortgage market and make well-informed decisions to secure your property investments.
One of the UK's largest lenders and a prominent international banking organization, HSBC, made a surprising decision yesterday to withdraw certain UK mortgage products. The purpose behind this move is to reprice them more in line with the UK market, according to our sources. While it appears to be an isolated action by HSBC at […]
Introduction With May’s increase in the Bank of England's base interest rate to 4.5%, there is growing speculation about whether the UK housing market bubble will finally burst. However, despite the current challenges, the housing market in the UK has shown remarkable resilience in the face of previous uncertainties, such as the Brexit vote in […]
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