Property research desk

Market notes, data checks & field commentary

Some notes on housing-market research, methodology updates, and source notes, built to show how the signals are interpreted and where the numbers come from. Best case, you find it interesting, worst, you killed some time whilst the kettle boils.

Building insurance for a property lived in by parents

Questions

May 29, 2021

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Building insurance for a property lived in by parents

When you own a property that you let your parents live in, even if rent-free, who can take out building insurance cover? Not quite as easy to answer as you may think.

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Questions

July 9, 2021

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Purchasing under Market Value

Purchasing a property under market value does not mean a lender will allow you to use the market value when it comes to LTV. That is what one visitor found out when they thought a bargain home had been found. There are other aspects to purchasing property under market value.

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The effect of missed payments due to COVID

Questions

July 5, 2021

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The effect of missed payments due to COVID

The end is in sight for COVID restrictions. Well, we hope it is. Many have missed payments on a range of accounts due to being furloughed or losing a job. How will it affect you in the future?

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As a mortgage sanctioner do you always follow policy?

Questions

October 6, 2021

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As a mortgage sanctioner do you always follow policy?

I am a mortgage sanctioner and have had the following question from a mortgage advisor that found the site recently. Interesting question and it is one that I am sure many wonders about when it comes to someone that approves mortgages.

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Can't get a BTL without providing personal income

Questions

January 15, 2022

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Can't get a BTL without providing personal income

A question received on Buy To Let, the visitor has been struggling to get a BTL mortgage with lenders insisting that he provides proof of his own income and outgoings, why?

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Questions

April 23, 2022

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Is buying a home worth it?

A question from a young man in Inverness contemplating one of the biggest decisions he will face. Should he buy a house? Will he be able to afford it with all the rising costs and so on? These are good questions to be asked and always best asked before actually going ahead.

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Market notes, data checks & field commentary

Building insurance for a property lived in by parents

Purchasing under Market Value

The effect of missed payments due to COVID

As a mortgage sanctioner do you always follow policy?

Can't get a BTL without providing personal income

Is buying a home worth it?

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