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4 No Stress Tricks for Preparing to Sell an Inherited Property in Joliet

Selling an inherited property in Joliet can feel overwhelming, but it doesn’t have to be. Check out these 4 no-stress tricks to prepare your house for a quick, easy sale.

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Jensen and Danneel Ackles have purchased a home in Connecticut! (x)

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More housebuyers turn to bridging finance amid rising interest rate environment

More housebuyers turn to bridging finance amid rising interest rate environment https://propertyindustryeye.com/more-property-buyers-turn-to-bridging-finance-amid-rising-interest-rate-environment/ Demand from residential homeowners was the main driver of bridging loan transactions in Q1 2023 Brian Betsy

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Simplify Selling Your Home with Alamocityhousebuyer.com

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People really need to realize that changing "platforms" is like Moving house. You're in a whole new community and things work differently here. Expecting Granny Sarah to be 3 doors down and baking pies for the 6 co-workers that carpool on Tuesdays is not going to be the same as Mr.Jacobski tending the plantlife/yards and the New-Housebuyers who are straight out of college and terrified to talk to anyone. It's a different environment. It's not "Good" or "Bad". But it's a Change, and you can't be rigid and resist it if you're going to try something new, be somewhere new, and meet new people. Manage your expectations, and admit that you're not a 'perfect fit' because things aren't going to be exactly the way they 'used to be'. It's Not Supposed To Be the Same, That's The Point of Change.

I had an interesting night last night

[alamocityhousebuyer]

Alamo City Housebuyer: Redefining Homebuying with Transparency and Ease

Are you in search of the perfect home-selling experience? Look no further than Alamocityhousebuyer.com, where we redefine the real estate journey with our unique USP, ensuring you get the best deal while enjoying an easy and stress-free process. Let us guide you in finding your dream home today!

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For more info:

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Hassle-Free Home Buying in Selma

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New Post has been published on https://yaroreviews.info/2023/08/house-prices-are-falling-so-why-cant-i-afford-a-home

House prices are falling, so why can't I afford a home?

Getty Images

By Dearbail Jordan

Business reporter, BBC News

This week has been a game of two halves, economically speaking, for prospective housebuyers.

On Tuesday, the Nationwide building society said that house prices had recorded the biggest annual fall for 14 years.

Then on Thursday, the Bank of England hiked interest rates yet again.

Falling house prices should be good news for first-time buyers.

But with mortgage rates remaining high, things aren’t quite as simple as they seem.

Are house prices actually falling?

It depends on how you look at it.

In the year to July, house prices dropped by 3.8% – that was the biggest annual fall since 2009, according to Nationwide.

However, the average price of a home in the UK remains high. It hit £260,828 in July, which is only marginally lower than the all-time record reached last August.

The housing market heated up because of the Covid pandemic, helped by a stamp duty holiday.

After being forced to work from home, cooped-up people decided they wanted more space inside and out, prompting a rush of buying, selling and moving.

The average house price is now £45,000 higher than it was in February 2020, the last full month before the pandemic struck, according to Nationwide.

Andrew Bailey, the governor of the Bank of England, has said house prices are falling.

But don’t expect a bargain just yet.

Mr Bailey pointed to the fact that the number of mortgages that were approved in June rose to 54,700 – the highest since last October – while total borrowing for mortgages rose from £19bn in May to £20bn in June.

Higher approvals and borrowing will support house prices in the coming months, said Mr Bailey.

“Yes, there is an adjustment,” he told the BBC. “But I think we should avoid preaching crisis at this point, it’s not that.”

In fact, in its most recent Monetary Policy Report, the Bank said that house prices are expected to fall only “modestly” in the coming months.

Why are mortgages so expensive?

The interest that a bank charges you to borrow money for a house is heavily influenced by the rate set by the Bank of England.

Since late 2021, when the Bank of England’s main interest rate stood at just 0.1%, it has been putting up rates to try to stop prices rising so quickly.

Inflation, which measures the rate at which prices are rising, is easing but at 7.9% in June, is still nearly four times higher than the Bank’s 2% target.

On Thursday, the Bank increased rates for the 14th time in a row, taking them from 5% to 5.25%.

Mortgage calculator: how much will my mortgage go up?

Interest rates: How a rise affects you and your money

When will interest rates go down?

Recent rate rises have had a big knock-on impact of the cost of mortgages.

The average interest payment on a two-year fixed deal is currently 6.85%, according to financial data company Moneyfacts. For a five-year fixed mortgage, it is 6.37%.

By comparison, between July and September 2021, the average two-year rate was around 2.5%.

But there has been suggestions that the current interest rate level could be the peak for consumers, with banks and building societies starting to actually cut mortgage rates.

Mortgage rates are determined by what financial markets think the average UK interest rate will be over the next two or five years.

The five-year rate is sometimes lower that the two-year rate is because investors might forecast that interest rates will come down at a later date.

But that is not a certainty and on Thursday, the Bank of England warned that it may have to keep interest rates higher for longer to control inflation.

I’m a first-time buyer – what now?

It’s a bit of a rock and a hard place situation.

A couple of years ago, the biggest problem facing first-time buyers was the deposit they needed to get on the property ladder, according to Nationwide.

Roughly speaking, between July and September 2021, the average house price was £208,757, and the average annual earnings for a full-time worker was just over £38,000, according to the Office for National Statistics.

A 10% deposit would be £20,875, which would be equal to 55% of average annual pay at that time – “an all-time high”, said Robert Gardner, Nationwide’s chief economist.

“If you fast-forward to now, the deposit requirement is still high by historic standards,” he said.

“It is not quite as high as it was relative to earnings because house prices have come down and people’s incomes on average have gone up.”

Getty Images

While average wages have risen – up 7.3% according to the latest data from the ONS – they continue to lag behind the cost of living.

Mr Gardner said: “The thing that has really changed is the typical monthly payment is now significantly higher than the long-run average because mortgage costs are significantly higher.”

Even if a first-time buyer managed to put down a higher deposit of around 20%, Nationwide estimated that a first-time buyer earning an average annual wage with a mortgage rate of 6% “would see monthly mortgage payments account for 43% of their take home pay”.

The building society said that a year ago, monthly mortgage payments accounted for around 32% of take home pay.

So is there any good news?

Mr Gardner said that even though the unemployment rate is expected to rise – from 4% to nearly 5% in 2026 according to the Bank of England – it will hopefully remain low by historic standards.

Added to that, if wage growth remains solid “our expectation is that house prices will fall a little bit further and are likely to lag behind earnings growth for a good while”.

“Over time what that will do is improve affordability, especially if mortgage rates start to moderate as well, which they may well do once the Bank rate passes its peak,” Mr Gardner said.

What happens if I miss a mortgage payment?

If you miss two or more months’ repayments you are officially in arrears

Your lender must then treat you fairly by considering any requests about changing how you pay, such as lower repayments for a short time

They might also allow you to extend the term of the mortgage or let you pay just the interest for a certain period

However, any arrangement will be reflected on your credit file, which could affect your ability to borrow money in the future

Read more here

Related Topics

Nationwide Building Society

Personal finance

Housing market

UK economy

Mortgages

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UK house prices fall at sharpest rate for 14 years

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[heartlandfundinginc]

Curious about the credibility of those "We Buy Houses in Chicago" companies? Our guide reveals how to distinguish ethical buyers from the rest. Make sure you're working with someone who has your best interests at heart. Learn what to look for in a reliable house-buying company today!

[alabamahousebuyer]

How to Get in Touch with HouseBuyers Alabama

There are countless reasons why people prefer cash home buyers in Alabama. They are trustworthy, pay a fair price for your property and are unbelievably fast when compared to the traditional real estate system. Sellers should always connect with trusted cash home buyers for a smoother experience. In this short article, you will learn how to find reliable cash home buyers to ensure a pleasant dealing journey, minimizing every hassle during the entire procedure. 

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Gorilla Home Buyers Pays Cash for Houses: Fastest Way to Sell Your House...

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Ten of the cheapest homes on the property market in Coventry

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Ten of the cheapest homes on the property market in Coventry

Finding an affordable home can be a challenge, with prices constantly on the rise and the cost of living crisis continuing to hit finances hard. It means that more people are looking for cheaper properties to combat rising costs throughout the country. Housebuyers saw property prices reach a record high last year with the average […]

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