Newsletter 2
Introduction
Welcome to the Spring 2008 edition of the Independent James Quarterly Newsletter!
This Quarter we will be taking a look at the current Housing Market climate, Top Ten tips to Spring-Clean your Credit Score and also examine current Buy to Let Lending trends. On a lighter note, tips from Michael Tipper, the world-famous memory man on how to, amongst other things, read Newsletters quicker! Finally, we have word of famous financial difficulties from across the pond….
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Main Story – Housing Market Update
“I am always ready to learn although I do not always like being taught.” (Winston Churchill)
Is the Bank of England really going to give us some ‘tough-love’ in the coming months? Their pre-occupation with idealistic notions such as ‘Moral Hazard’ appear to be dissuading them from cutting interest rates as drastically as in the US.
We hear from the chief Economists of HBOS & Nationwide and look at UK regional house price disparities via the FT House Price Index. Read More
Case Study # 1 – ij Top Tips – How to improve your credit score
As a result of the much maligned UK Credit Crunch, lenders are tightening their belts and to an extent cherry-picking clients. The main issue here is if your credit score is not up to scratch, then you could find yourselves short on options when it comes to obtaining a new Mortgage or Remortgage.
In this Case Study, we provide our Top Tips on how to improve your credit score or to ensure it remains attractive to a lender. Read More
Case Study # 2 – Buy To Let lending in focus
This Case Study looks at the recent changes to accommodate high loan to value Buy to Let lending with a worked example. We also assess the Council of Mortgage Lenders recent statistics showing increased market share for Buy to lets in the UK mortgage market.
We will show you scenarios which can assist you obtaining a property to let and look at the alternatives when conventional rental calculation methods may not be appropriate. Read More
Memories are made of this...
At a recent Personal Finance Society conference, world memory expert, Michael Tipper, gave some useful insights on how to use his memory skills in both business and social circles.
There are great tips here on how to improve your reading speed, to reclaim those lost hours of the week, what to do if you forget somebody’s name (we’ve all been there!) and how to improve your memory’s capacity.Read more
Don’t stop ‘til you get enough...
A recent FSA survey found that 1 in 5 borrowers expect to suffer mortgage arrears in 2008. It appears in the US, anybody can be caught out. As a Mr M Jackson, of California, recently discovered, obtaining independent advice can prove priceless but ignoring it can leave you on the brink of homelessness!
Don’t worry, You are not alone and it isn’t always that Bad. Read on, this article’s a real Thriller…
The content of these articles does not contain sufficient information on which to base any personal financial decisions and must not be relied upon as such