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  • Why a house price boom is not good for homeowners - HousePriceWiki
    IR 21 of their take home pay They could have stretched to the 650 month for the 110 000 semi 33 of their take home pay but the banks would not allow them to lend on them multiples Lets zoom to the year 2006 In 2006 their children are getting a little bigger and they decide that they need to move to a 3 Bed semi They see on the news that house prices have have doubled since 2000 and are overjoyed Their house is now worth a whopping 140 000 This means that with 5 years mortgage payments they own 62 000 that gives them 78 000 EQUITY This is a great deposit for their next move Until They start looking for a nice semi and get a shock The house they are looking for now costs 220 000 With their 78 000 deposit it means they have to find 142 000 Mr Mrs X have been given an inflationary rise of 4 for the last 5 years which takes their income to 38 900 of which 24 300 is Mr X s Salary Using the OLD rule of 3x Main plus 1x Secondary that means they could borrow 87 500 This is a shortfall of 54 500 They are priced out of the market The reason That HPI has exceeded wage inflation by a MASSIVE amount However when seeing their mortgage broker he says he has a solution Most banks and Building Societies now ignore the rules that we have followed for years and base it on your affordability They calculate that JOINTLY they can borrow 3 64 times their joint salary to get the 142 000 they need Unfortunately Mrs X only works part time as she has 2 children to rear This makes her income 6 000 per year On this basis they have a joint income of 30 000 This makes the multiple 4 73times their income but the lender agrees This means they now have a mortgage of 830 p c m 37 of their income They now PRAY that Interest rates stay low They have a NETT income of 2 220 p c m There are rising Utility Bills Rising Council Taxes Rising Petrol Costs and things are starting to get them down They are in the house they wanted 5 years ago and they have now restarted their mortgage They are paying more of their wages servicing their mortgage and are struggling to bring up 2 children Try telling these people that HPI is a GOOD thing The couple of 2006 Jon and Sally are 2 19 year old who are in love They have just been engaged and want to start a family nest of their own John works for an Insurance company in the city centre and Sally works in the local supermarket John earns 17 000 whilst Sally earns 8 000 They go to a mortgage advisor to find out that they can borrow a maximum of 59 000

    Original URL path: http://www.housepricecrash.co.uk/wiki/Why_a_house_price_boom_is_not_good_for_homeowners (2016-02-09)
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  • Category:Uncategorised articles - HousePriceWiki
    links here Related changes Special pages Printable version Permanent link Category Uncategorised articles Pages in category Uncategorised articles The following 7 pages are in this category out of 7 total A About House Price Crash C Comparing Sold Price Websites F Foreigners opinions about UK house prices H Home Owner Housing shortage I Interest only mortgages L Lifecycle of a bubble Retrieved from http www housepricecrash co uk wiki index

    Original URL path: http://www.housepricecrash.co.uk/wiki/Category:Uncategorised_articles (2016-02-09)
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  • Talk:BTL Landlord - HousePriceWiki
    home graphs base rates resources books blog wiki forum boss Navigation Main Page Recent changes Random page Help Views Page Discussion View source History Tools What links here Related changes Special pages Printable version Permanent link Talk BTL Landlord Retrieved from http www housepricecrash co uk wiki index php title Talk BTL Landlord oldid 2513 About us Contact us Glossary Link to us Media Privacy Policy Stats Testimonials 91 105

    Original URL path: http://www.housepricecrash.co.uk/wiki/Talk:BTL_Landlord (2016-02-09)
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  • View source for BTL Landlord - HousePriceWiki
    group Users You can view and copy the source of this page Future Prices Reasons why there could be a house price crash Reasons why people believe there will not be a house price crash Here are some reasons why the housing market has not yet crashed What s all this talk of a house price bubble Things To Think About The money illusion The boiled frog syndrome The dead

    Original URL path: http://www.housepricecrash.co.uk/wiki/index.php?title=BTL_Landlord&action=edit (2016-02-09)
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  • Revision history of "BTL Landlord" - HousePriceWiki
    revisions to compare and hit enter or the button at the bottom Legend cur difference with latest revision prev difference with preceding revision m minor edit cur prev 03 03 23 October 2007 Ian Talk contribs m 671 bytes 12 cur prev 17 33 24 November 2006 Sirgoogle Talk contribs m 683 bytes 761 Removed edit by an idiot cur prev 07 42 22 November 2006 Altair Talk contribs m

    Original URL path: http://www.housepricecrash.co.uk/wiki/index.php?title=BTL_Landlord&action=history (2016-02-09)
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  • Pages that link to "BTL Landlord" - HousePriceWiki
    Pages that link to BTL Landlord BTL Landlord What links here Page Namespace all Main Talk User User talk HousePriceWiki HousePriceWiki talk File File talk MediaWiki MediaWiki talk Template Template talk Help Help talk Category Category talk Invert selection Filters Hide transclusions Hide links Hide redirects The following pages link to BTL Landlord View previous 50 next 50 20 50 100 250 500 Main Page links Thinking of buying links

    Original URL path: http://www.housepricecrash.co.uk/wiki/Special:WhatLinksHere/BTL_Landlord (2016-02-09)
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  • BTL Landlord - HousePriceWiki
    believe there will not be a house price crash Here are some reasons why the housing market has not yet crashed What s all this talk of a house price bubble Things To Think About The money illusion The boiled frog syndrome The dead cat bounce negative equity Where s the evidence for a house price crash What are the possible triggers for a house price crash Consequences Of A

    Original URL path: http://www.housepricecrash.co.uk/wiki/index.php?title=BTL_Landlord&printable=yes (2016-02-09)
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  • BTL Landlord - HousePriceWiki
    why there could be a house price crash Reasons why people believe there will not be a house price crash Here are some reasons why the housing market has not yet crashed What s all this talk of a house price bubble Things To Think About The money illusion The boiled frog syndrome The dead cat bounce negative equity Where s the evidence for a house price crash What are

    Original URL path: http://www.housepricecrash.co.uk/wiki/index.php?title=BTL_Landlord&oldid=3728 (2016-02-09)
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