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Local housing booms and busts in England

Arzu Uluc.

A novel housing data set with information at the Local Authority level shows that changes in the proportion of high LTI mortgages was positively correlated with the size of the house price boom (1997-2007) and bust (2007-2009). 1,338 more words

Financial Stability

What's your Customer Lifetime Value?

How much are you willing to pay to acquire a customer? I can tell you right now, if you have a higher willingness (read ability) to pay than your competitor, you’re at a major advantage.   761 more words


ATM :: The puzzling role of ‘loan to value ratio’ in loans

ADHIL SHETTY CEO, BankBazaar.com | Jul 24, 2015, 11.49 AM | Source: Moneycontrol.com

Though your salary may support a big home loan, loan to value ratio may pull down the actual loan the bank is willing to offer you. 869 more words

Articles That Matter | ATM

Fighting Friday

This spectacular replica of the Theodore Roosevelt (CVN-71) Nimitz-Class aircraft carrier was discovered on Flickr today. It’s been built by Jon and Catherine Stead and it’s… well, bloody massive! 156 more words


What is Private Mortgage Insurance (PMI)?

Understanding everything that makes up a mortgage is not an easy task. You know about your down payment, you’ve heard of interest, but why are you required to get private mortgage insurance? 160 more words


What is the difference between Repayment mortgages and Interest only mortgages?

There are 2 chief kinds of mortgage to choose from – repayment or interest only.

As the labels suggests, a repayment mortgage means that you repay the absolute total of the mortgage over the duration of the loan, through monthly instalments. 96 more words