{"id":4174,"date":"2022-10-06T08:52:07","date_gmt":"2022-10-06T08:52:07","guid":{"rendered":"https:\/\/trueadvicefinancialservices.co.uk\/news\/?p=4174"},"modified":"2023-01-27T14:39:43","modified_gmt":"2023-01-27T14:39:43","slug":"autumn-2022-mortgage-property-market-update","status":"publish","type":"post","link":"https:\/\/trueadvicefinancialservices.co.uk\/news\/autumn-2022-mortgage-property-market-update\/","title":{"rendered":"Autumn 2022 Mortgage &#038; Property Market Update"},"content":{"rendered":"<h2><strong>Bank Of England raises rates again<\/strong><\/h2>\n<p>Let&#8217;s dive right in at the deep end of our mortgage &amp; property market update. In late September the <a href=\"https:\/\/www.bankofengland.co.uk\/\">Bank of England<\/a> met and raised the interest rate again by 0.5% to 2.25%. This is now the seventh consecutive increase in the base rate since inflation started to become a real issue in 2021. These rates are now the highest since the credit crunch back in 2008. To put it frankly, this rate rise sent the mortgage markets into a slight meltdown. The likes of which we haven&#8217;t seen since banks pulled out of the market during the original COVID lockdown in early 2020.<\/p>\n<p>Typically what happens when the base rate increases is lenders go away and reprice their offerings to clients. Typically this takes anywhere from a few days after the announcement to a few weeks. Each lender is different and all of them\u00a0<strong>usually<\/strong> take products off and put them back on the market simultaneously. This time round that wasn&#8217;t the case. Due to the frenzy that this rate rise cause, lenders withdrew products and did not immediately bring back repriced products. Not to panic though, they have since come back to the market although with more tentativeness than they&#8217;ve had previously. This can be shown in the higher rates offered typically by most lenders at the moment. With rates hovering around the 5%-6% level. Not something we&#8217;ve seen for a long, long time.<\/p>\n<h3><strong>What does this mean for the property market?<\/strong><\/h3>\n<p>With <a href=\"\/getting-a-mortgage\/\">mortgage<\/a> lending now more than twice as expensive as it was a year ago, not everyone can afford to move anymore. Despite the new Conservative budget giving property purchasers a discount in <a href=\"https:\/\/www.gov.uk\/stamp-duty-land-tax\/residential-property-rates\">stamp duty<\/a> the property market will inevitably have to come down. It is simple supply and demand economics. If the amount of eligble purchasers of property has been slashed by the increase in rates, then the demand for property decreases. With this demand for property being slashed by the rising rates, property becomes less valuable. Less demand on the existing supply means abundant supply and with more supply, prices come down.<\/p>\n<p>Taking all this into account, it is going to be a very interesting 6 &#8211; 12 months in the property market where we may well see a steady decline in prices due to mortgages becoming more expensive. In light of this, it will also be interesting to see how the Bank of England reacts to this market decrease. But this is something they are trying to do. Overall the main goal of the rate rises is they want people to save instead of spend by offering more attractive savings rates via a rate rise. With people spending less overall, demand for products goes down and inflation cools. Obviously this is a longer term process and can&#8217;t be fixed overnight but that is the intention.<\/p>\n<h3><strong>Market update in conclusion<\/strong><\/h3>\n<p>There&#8217;s no doubt that the interest rate rises have caused instability in the markets. You can see that clearly with the interest rate pricing from lenders being so high. In times of uncertainty, lenders tend to err on the side of caution and protect themselves with a nice healthy cushion of interest from the rate that they actually borrow the money. Which is what they are doing now. And with these high rates, come increased borrowing costs. Which in turn makes the property market not as frothy as it has been. But we are only just seeing the start of this all. It&#8217;ll be very interesting to see what a mortgage &amp; property market update looks like in six months time.<\/p>\n<p>The key takeaways here are no, lenders are just not stopping lending. They are just taking a bit of time to make sure their prices are right. No, the financial world is not collapsing and caving in, we are just experiencing a bit of turbulence. And no, that news article you read on the BBC about all a lady only being able to find a rate at 10.4% after having her mortgage pulled is not true. Either she was very mixed up or just plain misquoting her scenario to incite panic. The modern media machine at play there folks.<\/p>\n<p>We know better than most that these times can cause panic and worry among our clients. That&#8217;s why we, real humans, are readily available to speak to and go through any questions or fears you may be having. Simply pick up the phone or drop us an email. Whichever ever way suits you to <a href=\"\/contact-us\/\">contact us<\/a> we are more than happy to speak to you and advise you as necessary.<\/p>\n<h3><strong>Regulatory Statements<\/strong><\/h3>\n<h4><strong>Equity Release<\/strong><\/h4>\n<p>Equity Release plans are not right for everyone. And it is important that you fully consider your options and receive independent financial advice before making a decision. It is also important that, if you do decide to use an equity release product, you choose one that meets your needs.<\/p>\n<p>Remember that taking an equity release plan is generally a long term option. However, there are flexible plans available that may fit your varying needs and some will allow you to repay in the future without penalties.<\/p>\n<h4><strong>Buy to Let Mortgages<\/strong><\/h4>\n<p>Some Buy to Let Mortgages are not regulated by the\u00a0<a href=\"https:\/\/www.fca.org.uk\/\">FCA<\/a>.<\/p>\n<h4><strong>Mortgages<\/strong><\/h4>\n<p>YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE<\/p>\n<h4><strong>Investments<\/strong><\/h4>\n<p>All investments involve a degree of risk of some kind. This section describes some of the risks which could be relevant to the services we provide you. We may provide further risk information during the course of our services to you, as appropriate.<\/p>\n<p>Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets outside our control. Investments and the income from them may go down as well as up and you may get back less than the amount you invested. Past performance is not a guide to future performance.<\/p>\n<p>True Advice Financial Services is a trading style of TA and SE Hollom Ltd. Which is an Appointed Representative of\u00a0<a href=\"https:\/\/www.newleafdistribution.co.uk\/\">New Leaf Distribution Ltd<\/a>. Which is authorised and regulated by the\u00a0<a href=\"https:\/\/www.fca.org.uk\/\">Financial Conduct Authority<\/a>\u00a0: Number 460421.<\/p>\n<p>Registered Office : New Leaf Distribution Limited, 165 &#8211; 167 High Street, Rayleigh, Essex, SS6 7QA<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There&#8217;s no doubt the markets are a bit bonkers right now. Rates are the highest we&#8217;ve seen in a long while but how exactly does that effect the overall markets and specifically what will happen to the property market?<\/p>\n<p>We take a look at what is going on and what that could mean for the property sector as a whole. <\/p>\n","protected":false},"author":2,"featured_media":4175,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[6],"tags":[],"class_list":["post-4174","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Autumn 2022 Mortgage &amp; 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