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...One, they’re short convexity and the Fed hiked rates 500bp in nearly a year. Two, they’re long the yield curve. If you’re long mortgage securities, you want a steep curve....
...“We’re in a different era that does not favour debt in relation to real estate purchases,” she says....
...We ask that owners of Scottish Mortgage share in our long-time horizons, our commitment to investing in progress, and be aware that returns are not delivered in a straight line....
...“As soon as there is demand, inside [popular] school catchment areas in places like Fulham, Clapham or Islington, things can change very quickly, especially when you’re a young family looking for a certain...
...And if you’re already in the process of switching your mortgage, should you now try to grab a cheaper deal?...
...To see the range of buyers open up more substantially, you’re going to need to see the first [base] rate cut and then a more meaningful improvement in mortgage rates.”...
...The re-pricing of interest rate expectations has caused lenders to offer cheaper deals, but households continue to face higher mortgage payments as their fixed contracts expire....
...We certainly hope you’re not expecting us to have the answer, but it will be interesting to see what the Sarahs of the UK do....
...“We’re in danger of making politics something only hedge fund donors, young spin-doctors and failed trade unionists can afford to do,” he said....
...But market watchers anticipate cuts later in the year, and falling mortgage rates as a result....
...“You might be addressing the deposit affordability issue, but you’re still left with the mortgage affordability issue,” Cook said....
...“We’re now seeing the brakes being put on some property deals as the brokers want to wait a few weeks to get a better mortgage rate,” he says....
...Mortgages. Plural. I know what you’re thinking. The writer of Rich People’s Problems has not one, but two mortgages? Off to the Tower! Yep, it’s true. And with good reason....
...“They’re about creating supermodels.” Dozens of breeds must undergo body modifications to meet the American Kennel Club’s ideal....
...Over the short term, I think we’re going to continue to see a reduction in fixed-term pricing from lenders.”...
...“We had a lot of good news in recent months, helped by falls in inflation,” said David Hollingworth, associate director at broker L&C Mortgages....
...One in four said they were saving to buy a property, and nearly one in five said they were saving to pay off a lump sum of their mortgage when their fixed-rate deal expired....
...Buyers deterred by high mortgage rates in 2023 have found some respite as rates have eased in recent months....
...The government created Freddie Mac, Ginnie Mae, mortgage-backed securities, modified mortgages and subsidised rates for homeowners. It was a 1 per cent mortgage era....
...They said: ‘We’re not heading into a mortgage rate catastrophe. So let’s get on and do what we need to do.’”...
...They’re reaping the rewards,” said Diarmaid Sheridan at brokerage Davy in Dublin....
...They’re not afraid because they see the opportunity to make deals and get in at a lower price.”...
...Let’s say your mortgage, you’re paying 1.5 per cent on your mortgage, you can lock in 5 per cent on your term deposit....
...So maybe look away now unless you’re Hungarian....
...Furthermore, infrastructure loans, commercial real estate and mortgages each offer potential rich pickings, expanding the potential market to $26tn in the US....
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