About Aqueous

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So far Aqueous has created 37 blog entries.

Where will you spend your money once the mortgage is paid?

Paying off the mortgage is the dream of many homeowners, but what will you do with all that extra money once you're free and clear? Well, Saga has investigated, and it seems that many over-50s choose to splash out… Pay rise put to good use? The study found that many over-50s choose to spend their [...]

2017-05-18T20:51:07+00:00 June 16th, 2016|Money Saving Tips, Mortgage Advice, News|

Mortgage price war drops loan rates to new record lows – but be careful about big fees that push up costs

Mortgage rates have dropped to their lowest-ever level Lenders competing for borrowers remortgaging or raising capital But low headline rates can mask high fees that make deals more expensive If you've got the money for a deposit, or are lucky enough to own your own home and have equity, mortgages have never been cheaper. However [...]

2017-05-18T20:51:07+00:00 June 10th, 2016|Mortgage Advice, News|

UK home prices accelerated in March, as lending hit nine-year peak

House price growth across the UK jumped to 9% in March, as landlords stampeded to beat stamp duty changes, official figures show. The Office for National Statistics (ONS) reported that the figure was up from 7.6% in the year to February 2016. Other figures showed the amount of money borrowed for mortgages in March was [...]

2016-05-26T14:46:38+00:00 May 26th, 2016|Mortgage Advice, News|

Evolution of the 40 YEAR mortgage: First-time buyers’ increasingly longer terms to keep up with soaring house prices

Six out of 10 FTB mortgages now on deals over 25 years Major lender says 4,000 of its mortgages in 2015 were over 40 years A £150k mortgage over 40 years rather than 25 will cost £63k more First-time buyers are signing up to mortgages with longer terms than ever before to contend with rising [...]

2016-05-06T09:38:33+00:00 May 6th, 2016|Mortgage Advice, News|

House price growth slows as stamp duty squeezes

Growth slows: Average UK house prices were up 0.2% in April to £202,436, but the figure was a decrease from the previous month. UK house price growth has reduced this month as a result of the introduction of new stamp duty taxes, figures from lender Nationwide show. Despite average prices creeping up 0.2% in April [...]

2017-05-18T20:51:07+00:00 April 28th, 2016|Mortgage Advice, News|

First-time buyers will have to earn £64,000 per year to buy a house by 2020

First-time buyers will need to show an annual salary of £64,000 by 2020 to buy their first home, according to data from Shelter. This means that first time buyers should consider taking the plunge more quickly than they might have planned. The charity reported that average first-time buyers will also need to save a deposit [...]

2016-04-14T10:11:06+00:00 April 14th, 2016|Mortgage Advice, News|

Twenty per cent of home sales in UK collapse, latest data shows

The number of house purchases failing to successfully complete in the UK dropped in the first quarter of 2016, with just one in five home sales falling through, according to new research. Figures indicate a house sale fall through rate of 20 per cent in the first quarter of the year, a reduction of just [...]

2017-05-18T20:51:07+00:00 April 8th, 2016|Mortgage Advice, News|

Bank of England targets landlords with stricter loan test

A rise in stamp duty and harder lending criteria are part of measures to cool the buy-to-let property boom before it collapses. Landlords have been targeted by increased taxes and the removal of tax breaks but their difficulties don't end there as the Bank of England plans to intervene and slow the buy-to-let market further. [...]

2017-05-18T20:51:07+00:00 March 31st, 2016|Mortgage Advice, News|

February mortgage approvals at highest levels since 2008 crash

February residential and buy-to-let mortgage sales totalled £16.6bn, a jump of 39 per cent on January, research by Equifax Touchstone analysis of the intermediary marketplace has shown. Buy-to-let sales surged by 40.3 per cent on January’s figures, while residential sales jumped 38.6 per cent. The year-on-year growth for buy-to-let and residential mortgage approvals stood at [...]

2017-05-18T20:51:07+00:00 March 24th, 2016|Mortgage Advice, News|

UK Government lays out plans to streamline house purchase process

The government has agreed to publish a call for evidence on the house-purchase system and how it can improve this for customers. In the Treasury’s Budget document the Chancellor's office said it wanted to make the process “better value for money and more consumer friendly”. Around £270m every year in fees and costs linked to [...]

2016-03-18T11:31:35+00:00 March 18th, 2016|Mortgage Advice, News|