Tag Archives: mortgage

Bitesize: How do fixed mortgage rates compare across loan-to-value ratios?

Alister Ratcliffe

Since 2012, long term rates have fallen and there have been various other policy packages to boost credit availability and lower borrowing costs.  But how have these fed through to different types of fixed mortgage rates?

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Filed under Banking, Monetary Policy, Uncategorized

Bitesize: How 20-somethings are getting onto the housing ladder in London

Sachin Galaiya.

There are two ways people can make their resources go further when buying a home.

One is to increase the loan-to-value (LTV) ratio and hence increase the amount available to buy a house for a given deposit.

The other is to lengthen the term over which the mortgage is repaid, which increases the size of loan associated with a given level of monthly repayments.

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Filed under Bitesize, Microprudential Regulation