Category Archives: Mortgage

Mortgage Refis and Mortgage Application

Mortgage applications increased 1.3 percent from the prior week, according to the weekly report from the Mortgage Bankers Association’s (MBA). The Purchase and Refinance indexes increased 0.1 percent and 0.2 percent respectively. Refinance volume also climbed 1.3%, while the Purchasing … Continue reading

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AFFORDABILITY AND THE FIRST-TIME-BUYER

In the last post, we compared affordability in most recent 2 cycles. The post reviewed 2 different measures of affordability: mortgage repayments to income and house price to earnings ratio. Most interesting difference between the cycles is the pace of … Continue reading

Posted in Affordability, First time Buyer, House Price, Mortgage, Property, Property Cycle, Real Estate, UK Property | Tagged , , , , , | Leave a comment

Affordability

This post analyses the affordability as measured by Halifax and Nationwide. A recent article in the Guardian discusses the issue of house price to earnings ratio. The author surmises that house prices would have to fall by 25% to reach … Continue reading

Posted in Affordability, Great Moderation, Halifax House Price Index, House Price, Interest Rate, Mortgage, Property Cycle, Real Estate, UK Property | Tagged , , , , | Leave a comment