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Richard Pettinger 
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Richard Pettinger's Real Estate Articles

Prospects for UK Buy to Let Sector

(March 25, 2007)  For the past 3 years some commentators have been predicting the imminent collapse of the Buy to let sector. House prices are rising faster than both average earnings and now rents. The economic fundamentals behind the strength of the sector are starting to decline. However despite concerns there ..

Help In Getting A Mortgage On A Small Income

(March 19, 2007)  1. Self Certificate. Getting a self certification mortgage is the most popular option for taking out a mortgage if you on a low income. However in the UK it is worth noting that increasingly mortgage lenders do look into accounts. They may not be as strict as a conventional mortgages; but it will ..

Bad Credit Remortgage Loans

(March 16, 2007)  If you have a poor credit history such as missed mortgage payments it will be more difficult to get a good remortgage quote. Often lending institutions see poor credit histories as riskier. Therefore to compensate the increased risk they charge a premium of higher interest rates. This may be ..

Advice on Getting Best Mortgage Deal

(March 14, 2007)  1. Read all the small print. For example make sure you can leave the mortgage deal without incurring any excess penalties. 2. Choose the right mortgage for your circumstance. For example if you have a large current account surplus you should seek to make use of this positive balance and get a ..

Increased Difficulties for UK First Time Buyers

(February 13, 2007)  First time buyers are finding it increasingly expensive to get their first mortgage. Evidence from the UK Council of mortgage lenders suggests that the average cost of a mortgage for first time buyers is now £115,499. This is over 3.3 times the income of the first time buyer and this income ..

Self Certification Remortgage Quotes in UK: Getting Best Deal

(February 07, 2007)  With a self-certification mortgage you have a lot more flexibility in getting a mortgage loan. Usually with a standard repayment the amount you can borrow is dependent upon a multiple of your provable wage. However the idea of a self certification mortgage is that it is not essential to be able to ..

UK Remortgage Quotes

(January 24, 2007)  Remortgaging your house is potentially one of the best financial decisions you can make. Banks and building societies take advantage of existing customers who are happy to stay on the more expensive Standard Variable Rates. However lending institutions know that a small (but growing) percentage of ..

Never Ending Perpetual Mortgages

(January 22, 2007)  How do you like the idea of paying the minimum monthly mortgage payments possible on your mortgage? How do you like the idea of being able to pass both your mortgage and your house onto your children? It may seem rather far fetched but the latest type of mortgage to be offered is known as a ..

5 Myths of UK housing Market

(January 18, 2007)  1. A shortage of supply means prices will never fall. Often people will say because of high demand a shortage of housing in London, prices will always be high and never fall. This is not true. House prices in London may always be higher than elsewhere in the country but there is nothing to stop ..

Mortgage Cycling: Advantages and Disadvantages

(January 07, 2007)  Mortgage cycling has recently been marketed as a unique way to pay off your mortgage early and build up equity at the same time. The basic premise behind mortgage recycling however, has actually been used before. The main idea is that you make additional payments to reduce the mortgage principal ..


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