Hints and tips:
...Ray O’Toole, a non-executive director, will replace Sir Brian as chairman from January 1....
...has actually turned into a moment of intense supply constraint, which is making the prices plastic converters are exposed to really not much better than they were before the oil price fall,” says Paul Ray...
...In September, Siemens will launch its first primary school scheme, based around MRI scanners and X-rays, which will teach children how the human skeleton fits together....
...Ray Boulger of John Charcol, the mortgage broker, agreed that most lenders are likely to focus on mortgage products for purchasers, rather than those refinancing....
...Ray Boulger of mortgage broker John Charcol said he was surprised it has taken so long for lenders to respond to rising funding costs in the money markets....
...The 988 sq ft apartment was owned by Ray Grehan, a bankrupt property developer, who is being pursued by Nama over debts of more than €300m....
...A one-bedroom apartment in the Candy Brothers’ flagship development owned by bankrupt property developer Ray Grehan is being marketed for £5.25m by estate agent Strutt & Parker after it was appointed by...
...Ray Boulger of John Charcol, the mortgage broker, said homeowners should look carefully at the overall cost of a deal....
...According to Ray Boulger of John Charcol, the mortgage broker, a longer-term fix looks more attractive in the current interest-rate environment....
...The statement from the Bank resulted in gilts and equity markets reacting positively, which should take some pressure off swap rates and the recent upward movement in fixed-rate mortgage pricing, said Ray...
...Ray Boulger of mortgage broker John Charcol said borrowers could opt to pay no interest for the longest period – six months – to give them the maximum flexibility....
...Ray Boulger of John Charcol, the mortgage broker, said this higher cost of funding for banks could see mortgage rates start to edge up....
...Ray Boulger of mortgage broker John Charcol said that in most cases the valuation is reduced to reflect the single brick extension – effectively valuing the property as if the extension was not there....
...Ray Boulger, senior technical manager at John Charcol, a mortgage broker, said: “It’s a high-risk strategy. Taking out a foreign currency mortgage for low interest rates is complete madness.”...
...According to Ray Boulger of John Charcol, borrowers happy to fix their mortgage for five years should consider paying the small premium to get a longer deal, because rates will almost certainly be rising...
...According to Ray Boulger of John Charcol this is to ensure lenders do not face long delays if the landlord defaults on his mortgage and they need to evict a tenant....
...According to Ray Boulger of mortgage broker John Charcol, in mid-2007 (taken from the firm’s best-buy table on July 2 2007), at the peak of the housing market, the best buy two-year fixed-rate in the mortgage...
...Whilst criteria haven’t yet improved, if you get more lenders active in the market then this could be the catalyst which might mean we’ll get some slight tweaks on criteria,” said Ray Boulger of John Charcol...
...“The numbers are not massive but these are purchases that probably would not have happened without these schemes,” said Ray Boulger, a mortgage broker at John Charcol....
...Ray Boulger of mortgage broker John Charcol said the product was innovative but borrowers need to understand the risks....
...Ray Boulger of mortgage broker John Charcol said this flexibility will be key for wealthy borrowers....
...Ray Boulger of John Charcol, the mortgage broker, said one of his clients received an email on Thursday morning from Lloyds TSB International’s Hong Kong office, informing him the bank would not be proceeding...
...According to Ray Boulger of John Charcol, the mortgage broker, the price differential between fixing mortgage repayments for two or five years remains small....
Fall in returns but outlook is more positive
...“Any hopes that the entry of Tesco would produce a significant increase in competition have been dashed, at least in the short term, by the initial rates on offer,” said Ray Boulger of mortgage broker John...
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