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The UK house market and how to survive it.
According to the Nationwide Building Society, the UK housing
market has made a "strong start" in 2006, with the biggest rise
in house prices for 18 months, rising by 1.4% in January. This
was seen by the Nationwide as part of a "strengthening trend"
since October, with confidence returning to the housing market,
but the high price rises of 2004 were not expected to return.
Jeremy Leaf of the Royal Institution of Chartered Surveyors
said, 'The housing market is definitely seeing signs of a
recovery,' and he predicted that, 'modest price rises are
expected to continue into the year.'
Fionnuala Earley, an economist for the Nationwide, stated that
she believed that factors such as pension fears, declining
consumer appetite for debt and below-average economic growth
would help to restrain further house price rises in 2006.
Another sign that people are regaining confidence in the market
can be seen alongside a warning from the BBC that many
first-time buyers are willing to overpay in order to get onto
the first rung of the property ladder. The Yorkshire Bank has
announced that more than one in five first-time buyers are
currently willing to offer above the asking price, compared with
a year ago when less than one in ten were willing to pay over
the asking price.
Gary Lumby, a Yorkshire Bank spokesman, said, "Buyers are
starting 2006 in a more positive mood than last year, when there
seemed to be a lot more uncertainty regarding where the housing
market was going."
Whilst more first-time-buyers purchasing property is extremely
beneficial as it allows for greater movement within the market
place, the increase in the number of buyers willing to overpay
could be a cause for concern. With the UK personal debt level
currently running at £1,158bn, and buyers risking the
possibility of future negative equity on the mortgage, some
caution should be exercised by those thinking of overpaying.
It is vitally important when making any kind of investment that
you get the right advice and ensure you will be able to afford
the payments. With something as important as financing your own
home, you should get as much information and qualified advice as
possible. Many financial web sites such as Moneynet (
http://www.moneynet.co.uk/mortgage-guide/index.shtml ) and
Motley Fool (
http://www.fool.co.uk/mortgages/articles/introduction.htm )
provide free straight forward guides on mortgages and house
buying to help navigate the many possible pitfalls which buyers
can fall foul of.
A good starting place for buying a house is to check-out the
prices of houses in and around the area you are thinking of
moving to, in order to see if the house is over/under priced. A
site like myhouseprice.com which checks data from the
Governments Land Registry can help with this type of
information. Buyers should also form an impression of what the
local community is like. Websites such as upmystreet.com and
homecheck.co.uk can be useful sources of basic information such
as the average property prices for the area, crime rates,
schools, flooding and pollution information, as well as the
general demographics of the neighborhood.
Another important next step is to determine how much it is
possible to borrow, the amount that will be needed (including
all lenders rates, surveys, deposits, solicitors fees, movement
costs, insurance, etc.), and double checking how much can
actually be afforded for the mortgage payments. This stage can
be extremely nerve wracking, but it is absolutely vital to help
avoid serious future financial difficulties.
The potential house buyer can then start to determine type of
mortgage that would be the best one for them to be taken out for
the final potential purchase. The decision on which mortgage to
obtain will make the difference of many thousands of pounds and
so it is essential that this decision is made with the best help
available. The rates of lenders can be easily compared through
financial comparison sites like Moneynet or Moneyfacts, and help
on what to look for can be found on the Governments Financial
Services Authority website.
It is to be recommended that before any buyer takes out a
mortgage or any other financially binding contract, that they
seek qualified independent advice. This is because while it is
not actually required, if advice is not taken, there would be
fewer grounds for making a possible complaint and seeking
financial recompense should the mortgage product turn out to be
unsuitable at a later date.
With the appropriate finances agreed and secured, then the house
buyer can start the actual process of approaching the house
sellers with a view to having surveys completed and possibly
making an offer with all the complications that involves.
Useful resources: Moneynet mortgage guide (
http://www.moneynet.co.uk/mortgage-guide/index.shtml ) Motley
Fool mortgage guide (
http://www.fool.co.uk/mortgages/articles/introduction.htm )
Disclaimer: All information contained in this article, is for
general information purposes only and should not be construed as
advice under the Financial Services Act 1986.
You are strongly advised to take appropriate professional and
legal advice before entering into any binding contracts.
About the author:
Author: Michael Hanna
About Michael
Michael is a keen writer, and internet marketer living in
Scotland:
Contact details:
E-mail: samqam@googlemail.com Phone: 0131 561 2251
Michael's Website: Belfast
Written by: Michael Hanna
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