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You can use the BBC Mortgage calculator here > to calculate expected repayments. Please note this link is to an external website. Therefore Mortgage Help Scotland is not responsible for the content you will view.

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Your home may be repossessed if you do not keep up repayments on your mortgage.
The levels and bases of taxation and UK interest rates are subject to change.
The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Mortgage Help Scotland Ltd, is an appointed representative of of TenetConnect Services Limited, which is authorised and regulated by the Financial Services Authority (FSA). The FSA is the independent regulator of financial services in the United Kingdom. TenetConnect Services Limited is entered on the FSA register (www.fsa.gov.uk/register) under reference 150643.

Latest News

05th August 2010 -  The Bank of England interest rate has been held at a widely-expected 0.5% again for the 17th month in a row.  The previous change in Bank Rate was a reduction of 0.5 percentage points to 0.5% on 5 March 2009

01st July 2010 -  The Bank of England has voted to maintain the base rate at 0.5% for the sixteenth consecutive month. The previous change in Bank Rate was a reduction of 0.5 percentage points to 0.5% on 5 March 2009.

10th June 2010 -  The Bank of England has voted to maintain the base rate at 0.5% for the fifteenth consecutive month.  The previous change in Bank Rate was a reduction of 0.5 percentage points to 0.5% on 5 March 2009.  David Bexon, Managing Director of SmartNewHomes.com, comments on today’s decision to keep interest rates at 0.5%:

The Monetary Policy Committee’s decision to maintain the base rate at its historic low of 0.5% for the fifteenth consecutive month is continued good news for existing home owners and should give confidence to those who are yet to enter the market.

The housing minister’s pledge this week to increase home ownership levels needs to work hand in hand with an easing of lending criteria, particularly for new build properties. We will be looking to Mr Shapps to follow up his query over why the banks aren't lending to the quarter of a million people who can afford to pay back a high loan to value mortgage, with interest.

No comments in the month of June due to holidays and July's comments will be posted before the 10th of August 2010.

30th May 2010 - Steve McAvoy comments this month on the mortgage and property market are as follows: -

House prices are now less than 10% below their October 2007 peak and it looks like they increased by 0.5% in May meaning that house price annual inflation is now running at 9.8% with the average house price is now £169,802. The two main factors that continue to lift house prices are a shortage of stock and low interest rates. The removal of HIPs has definitely seen more sellers come to market and so the stock shortage will ease in the coming months. 

Rightmove has seen an extraordinary uplift of a one-third increase in instructions in the week following the suspension of HIPs, however, estate agents do not appear to be over-optimistic, seeing only a short-term opportunity to make hay while the sun shines.

The Bank of England has come under increasing pressure to raise the base rate due to rising inflation and there is increasingly a feeling among the public that the interest rate reprieve is coming to an end. When interest rates rise, housing activity and prices will become even more subdued. The Austerity Budget in June is also likely to be a pivotal moment for the property market and there is no doubt that many buyers are holding out to see how it will affect them before they commit to transact.

The mortgage market is quite similar to last month however some lenders have slashed some of their rates by up to 0.96% on some Tracker and Fixed rate deals.

If I was pushed into a corner to predict interest rates, I would imagine that nothing will happen during June as we will all be too busy watching the World Cup and we will have one eye on the June 22nd Budget so I would expect rates to remain the same for now. I believe this will mean further tweaking down the way of some fixed rate deals and more competitive 85% Loan to Value deals, however I would expect the 90% LTV deals to remain the same for now. I think inflation is not going to upset the apple cart just yet and for that reason I see rates at the Bank of England remaining status quo until at least November and my money would be on a 0.25% hike in November this year.

I look forward to hopefully a clearer and more positive picture in June and remember if you have any questions or funny stories then please do not hesitate to contact us via our website. Thank you and take care.

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