mortgage arrears statistics

The Mortgage Arrears Dilemma

The Mortgage Arrears Dilemma A recent report highlighted the increase in severe mortgage arrears had increased 16% from Q2 2020 through Q2 2021. Severe mortgage arrears are those loans where the arrears balance is between 2.5% and 5% of the loan total. Buy to let mortgage arrears in the same category have increased 134% in
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default and risk statistics

The Covid Impact on Defaults, Risk & Lending

The Covid Impact on Defaults, Risk & Lending And why it matters to you… There is always media coverage and perception of what is going on when it comes to lending, ‘borrowing’ and ‘debt’. We see coverage of what lenders are doing and how it can be difficult to borrow, easy to borrow or that
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rental yields flat

Rentals incomes on the move

Rental Incomes on The Move It seems to have been a rollercoaster ride for the residential rental sector over the last 18 months, leading us to a place where very few would have predicted when the pandemic began. Back at the start of the pandemic we saw lenders withdraw, nervous of job losses, voids and
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what is top slicing

What is Top Slicing?

What is Top Slicing? Let’s remember that the whole financial sector loves an acronym and loves a sound bite. Top Slicing sounds more like my golf game, but it is all about buy to let lending and using other income to support a shortfall in rental income. It works where the traditional lending to rental
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buy to let first time buyers

Property Investor & Buy to Let Uncertainty?

Property Investor & Buy to Let Uncertainty? There is a lot, and I mean a lot, of activity in the property market at the moment. I refer to investors and buy to let owners seeking to refinance and acquire new stock. One question is always about uncertainty. A lot of property investors seem to have
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What Is The Cost of Borrowing?

The Cost of Borrowing Pop quiz. What is the cheapest loan out of these two – Interest rate 5% Interest rate 5.5% Sounds simple doesn’t it. The interest rate is cheaper so that must be the best loan option. That said, you probably realised the obvious answer was wrong and went for the more expensive
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