Is the credit crunch over? Well here is an innovative product from a MASSIVE lender which could show signs that it is melting.

I was watching Working Lunch yesterday and Lloyds were on there talking about their brand new never seen before first time buyer product. It is quite an amzing product.

Here is how it goes. Mum and Dad want to help Son get on the property ladder. Mum and Dad do not want to simply hand over their savings and let Son put it in to a house for them to remortgage later down the line and squander Mum and Dad’s savings.

So Lloyds let you deposit the savings as the deposit but ring fence it so Son cannot get access. These savings earn interest and are released once the property values rise so that the overall loan to value is less than 75%.

Quite innovative would you not agree? Now because Lloyds are massive they can make an impact on the mortgage scene. I also learnt something else. When a first time buyer buys it enables 4 more purchases to occur. Quite a statistic eh? So once the bottom end starts going the rest rockets!

So lets not miss out. Now I had a good email exchange with Liz, my broker, and if you want to release some cheap money to get investing then consider the fee free remortgage. Rates are from 3.49% and it costs you nothing to raise the finance as they pay the survey and legals. Find out more.

So if you want to take advantage of the low prices I would suggest buy now. I would not say this lightly but I think we have hit the bottom now. In other words when the data comes out for property prices for quarter 2 2009 in August 2009 I think these will be the lowest reported figures. i.e. the prices being struck now are the lowest they will get.

Property is back in fashion! If you want to learn more have a chat with one of my team.

Ajay

Posted on: 21st May 2009

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	Home Services Property News Free Resources Partners Contact Page you're viewing > Home Page > Property News > Property Headlines > 95 per cent mortgage from Lloyds Is the credit crunch over? Well here is an innovative product from a MASSIVE lender which could show signs that it is melting. I was watching Working Lunch yesterday and Lloyds were on there talking about their brand new never seen before first time buyer product. It is quite an amzing product. Here is how it goes. Mum and Dad want to help Son get on the property ladder. Mum and Dad do not want to simply hand over their savings and let Son put it in to a house for them to remortgage later down the line and squander Mum and Dad’s savings. So Lloyds let you deposit the savings as the deposit but ring fence it so Son cannot get access. These savings earn interest and are released once the property values rise so that the overall loan to value is less than 75%. Quite innovative would you not agree? Now because Lloyds are massive they can make an impact on the mortgage scene. I also learnt something else. When a first time buyer buys it enables 4 more purchases to occur. Quite a statistic eh? So once the bottom end starts going the rest rockets! So lets not miss out. Now I had a good email exchange with Liz, my broker, and if you want to release some cheap money to get investing then consider the fee free remortgage. Rates are from 3.49% and it costs you nothing to raise the finance as they pay the survey and legals. Find out more. So if you want to take advantage of the low prices I would suggest buy now. I would not say this lightly but I think we have hit the bottom now. In other words when the data comes out for property prices for quarter 2 2009 in August 2009 I think these will be the lowest reported figures. i.e. the prices being struck now are the lowest they will get. Property is back in fashion! If you want to learn more have a chat with one of my team. Ajay Posted on: 21st May 2009 Bookmark: del.icio.us digg Furl Facebook Reddit Yahoo Spurl Smarking Simpy Stumbleupon Tell a friend Your name Friends email Life is funny sometimes Want to borrow the deposit OK i�ll lend it to you Rates to rise Letting Managers Wanted Property Negotiators Wanted Property Negotiators Required Computer says NO again Do you have a client base Get 30+ BMV Deals EVERY Week I have a busy 16 months ahead How long will it last Buy to Let lending on its way back A bank has said YES FT reports boost in buy to let 92 per cent off Ducking n Diving want a chat how 10 minutes can change someone�s life loop hole for the 6 month rule discovered I have been quiet for a reason never miss a deal get a free consultation, READ NOW Property Networking why I buy high yielding property 2010 is the year that property got going is it the return of the NINJA if you have bad credit you can still INVEST Hip Hip Hooray Radical changes at the Ahuja Group Yesterday was a historical day for buy to let 17 alternative finance brokers and lenders This is as creative as it gets my finance journey has started property funds fall flat on their face join me in my journey in to the world of finance 90 per cent off my new book to my subscribers only I failed the credit check I am really annoyed with the lenders 3 really useful ways to home in on specific deals read my clients wishlist can I ask you a question did you watch the election debate last night? 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