I had lunch last week with a Bank of England MPC member, and I asked him why the Bank didn’t cut rates below 0.5% in order to help the banking sector improve its Net Interest Margins (NIMs) and thus its…
Category Archives: mortgages
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The Bank of England should cut rates rather than make state run Halifax hike mortgage rates
- Topics
- Bank of England, mortgages
Posted March 6th, 2012
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Today’s mortgage approvals numbers came out at a record low (see this comment for why we love mortgage approvals so much). Weakening mortgage approvals is no surprise – the housing psychology is moving to a bear market from a buyers…
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One of our favourite economic lead indicators was released yesterday – the rate of new mortgage approvals in the UK. Readers will probably be familiar with this by now as we discussed mortgage approvals in October, November and January. Mortgage…
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Helicopter Ben yesterday announced that the Fed would lend $200bn of Treasuries to banks in return for AAA rated collateral. Equity markets were delirious – the S&P recorded its biggest one day jump in over five years. Risky credit also…
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Housing market : Down down, deeper and down
- Topics
- mortgages, property market
Posted January 30th, 2008
The US housing market is getting worse and worse, and the UK looks set to follow it. Yesterday saw the monthly update on the disaster that is the US housing market. Figures showed that the downturn is accelerating – the…
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Interesting article in the Times this morning (see here) discussing the increases in fixed rate mortgages over the past week as borrowers scrambled to fix their home loans. Typical 2 year fixed rate mortgages have increased by around 0.4% over…
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