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. The buy to let sector will enjoy continuing growth this... 02/01/2008 - 2007 s cheapest interest-only mortgages revealed. Financial data service Defaqto has announced its annual cheapest mortgage... good credit rating

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Mortgages - Re-mortgaging What is re-mortgaging Why would I want to re-mortgage What are the costs of re-mortgaging What is re-mortgaging

Re-mortgaging is when you transfer your outstanding mortgage debt from your current loan to a new one without moving house. Top good credit rating score

Why would I want to re-mortgage

The two main motivations for re-mortgaging your home is either to obtain a better rate or take advantage of the increased value of your house and use that money for whatever reason you want. Obtaining a better mortgage rate is a tempting offer to many home owners and moving your mortgage could be worth is but only so long as the cost of moving your mortgage is offset by the savings you make. If you are planning any renovations of your house, such as fitting a new kitchen or bathroom, than is makes sense to consider re-mortgaging to pay for the build as you are adding to the value of the house. poor credit rating loan

If you have shorter term debts, such as credit cards, then you might want to consider re-mortgaging to pay them off. Short term debts tend to have a much higher interest rate and borrowing against the value of your home might be a great way to eliminate those debts early on. Top bank credit rating

What are the costs of re-mortgaging

Re-mortgaging doesn t come without costs that effect how worth while it is. You will have to pay your lender a booking fee, you probably have to pay to have your house surveyed again and you will have to pay solicitor fees. If your house has increased in value and you are borrowing a larger amount than you might be subject to a higher lending charge. Top credit card for poor credit

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Related Guides Stamp Duty Mortgage Quick Guide Mortgage Types Related News New remortgaging tool launched - 21/12/2007 business credit rating

Remortgagers should think before they switch - 06/12/2007 Hips delay blamed on government - 03/01/2008

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Stamp Duty Guide for New Home Buyers - Only Finance.com) A quick guide to what stamp duty is and how it relates to property value. stamp duty, mortgages, home tax, home stamp duty, property fees Home Loans Mortgages Credit Cards Insurance Debt Compare Mortgages

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Mortgages - Stamp Duty What is stamp duty How do I pay it Is there no way I can avoid paying stamp duty What is stamp duty

Stamp duty is considered by many to be a hugely unfair tax and by many others a necessity to ensure public services are funded. Whatever your view, stamp duty is a legal requirement and must be paid. Stamp duty kicks in a 1% of the value on properties over 125, 000 with higher percentages for properties over 250, 000. Top personal credit rating

How do I pay it

You will need to pay it within 30 days of purchasing a property. The onus is on you, not the government, to remember to pay it. Usually a solicitor will take care of the process for you and you should remember to factor in their costs as well. Top unsecured loan for bad credit

Is there no way I can avoid paying stamp duty

If you buy a property in what is called a disadvantaged area the 1% threshold is 150, 000. Since 1st October 2007 any house with zero carbon emissions has been exempt from stamp duty. To achieve this, the home will have to have zero carbon emissions for energy use. The fabric of the home will be required to reach a very high energy efficiency standard and to be able to provide onsite renewable heat and power. This exemption, however, is only available for the next five years. Top credit rating company

Hips delay blamed on government - 03/01/2008 Paragon: Buy to let will grow this year - 03/01/2008 2007 s cheapest interest-only mortgages revealed - 02/01/2008

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Mortgages - Hips delay blamed on government - 03/01/2008

The government s delay in its nationwide introduction of Home Information Packs (Hips) was not economically motivated and exploited for political gain, MPs have insisted today. corporate credit rating

Hips were introduced last year in stages - becoming mandatory in larger properties first, before being rolled out to all homes. The Communities and Local Government (CLG) committee said in their report that criticism of Hips led to a failure of nerve from the government caused by the apparent unpopularity of the reforms. At the time, the government officially put down the delay due to many people set to compile the new Hips not having had enough training. credit rating fix

However, CLG committee chairperson Dr Phyllis Starkey MP said: It is clear that the reasons for this [delay] lie in poor preparation and a retreat by the department s ministerial team. The current legal requirement for every home in the UK to be sold with a Hip affects every new mortgage purchased in the country, including adverse mortgages. bad credit loan personal

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Related News HBOS lists housing hotspots for 2008 - 31/12/2007 Northern Rock has loan extended by government - 19/12/2007 credit how improve quickly

Firstrung: Build more key worker homes - 17/12/2007

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Mortgages - Paragon: Buy to let will grow this year - 03/01/2008

The buy to let sector will enjoy continuing growth this year, Paragon Mortgages has predicted. mortgage credit rating

Tenant demand, rising rents and confidence among landlord buyers will all shore up the sector despite economic conditions, the buy to let specialists claimed. Paragon s comments follow a series of gloomy housing market reports from analysts at Rics and Halifax, among others, over the past month. The lender expects the buy to let market to represent 15 per cent of new mortgages by the end of the year - a three per cent increase over the last report. average credit rating

A Paragon spokesman commented: We expect 2008 to be a really strong year for rental demand, presenting plenty of opportunities for established buy-to-let landlords as well as well briefed new entrants to the market. loan for people with poor

For Paragon, the weakening housing market will prove a boon for buy to let investors over the course of the year, with cautious Britons less willing to take out a mortgage themselves and preferring to rent. bureau credit rating

The key factor [in the growth] will be a lower level of confidence elsewhere in the market, which will drive tenant demand higher whilst house prices, the cost of a landlord s raw material, will at best be flat, the spokesman added. find credit rating

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Related News Hips delay blamed on government - 03/01/2008 2007 s cheapest interest-only mortgages revealed - 02/01/2008 increase credit rating

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