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...issuers told the Financial Times....
...Fidelity, for example, sees “an interesting middle ground between fully active and fully passive portfolios”....
...Investment trusts are publicly listed companies, with four of them, including the £12.1bn Scottish Mortgage Investment Trust, in the FTSE 100....
...“We have a variety of mutual funds that offer mortgage exposure, but our ETF suite does not include a mortgage-focused strategy....
...Regulations designed to protect the financial system after the 2008 financial crisis require banks to “stress test” mortgage applicants, generally to at least 1 per cent above the current standard variable...
...In Canada and the US, lenders and mortgage brokers are required to be licensed with local financial authorities....
...The Nationwide Index, for example, is based on mortgages approved in the month, while the official house price index tracks prices of completed transactions....
...UK private landlords typically have interest-only mortgages. That exposes them to steeper cost increases on refinancing than owner-occupiers when rates rise....
...These borrowers continue to favour long-duration fixed mortgages, preferring financial predictability over the chance to save money if mortgage rates fall....
...Equity swaps are financial instruments that allow investors to gain exposure to a stock. They are commonly used by hedge funds to build positions in companies and are typically facilitated by big banks....
...Net mortgage approvals for house purchases rose to 60,400 in February from 56,100 in January, the Bank of England said on Tuesday....
...Skipton’s Track Record mortgage allows borrowers to use evidence of paying regular rent when judging whether they can afford the mortgage....
...That pushed the discount rate as high as 17 per cent, its widest since the financial crisis....
...Nevertheless, the figure remains well below a peak of 3.64 per cent in the first quarter of 2009, during the global financial crisis....
...from the Bank — had added “stability” to the mortgage market....
...Mortgages for house purchases, or remortgages, were down 21 per cent, while new lifetime, or equity release, mortgages were down 40 per cent....
...It also spawned financial titans like Fidelity and Vanguard and thousands of smaller competitors that together employ hundreds of thousands of people....
...Home loan arrears are lower than during the 2008-09 financial crisis in part because of a resilient labour market and improved mortgage regulations....
...Nick Britton, the AIC’s research director, said: “Last year was challenging for investment trusts with the average discount reaching its widest level since the financial crisis....
...Just a year or two prior, the Chicago Board of Trade started trading financial futures, and then options on financial futures. I had one options class, one programming class — but that’s all you need!...
...The BoE said January’s “effective” interest rate — a measure of the weighted average cost — on newly drawn mortgages fell 9 basis points, to 5.19 per cent....
...Dimensional Fund Advisors and F/m Investments followed suit last summer, and Fidelity did the same in October. All four filings remain pending....
...Fidelity has filed to adopt Vanguard’s ETF multi-share class structure, becoming the third manager to do so....
...Mortgage origination volume looks set to grow again in 2024 after falling to its lowest level in nearly 30 years, according to the Mortgage Bankers Association....
...Brexit and mortgage regulatory changes also played a role, according to Richard Donnell, executive director at property consultancy Houseful....
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