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While hardly a surprise given the lockdown caused by the pandemic, Halifax confirmed at the beginning of July, that overall, house prices had fallen four months in a row. This was the first time house prices had shown a decline since 2010. Summer is usually a quiet...
Back in “the day” when you wanted a mortgage, you would put on your best outfit, and arrange a meeting with the bank or building society manager to ask for the money to buy your house. If you were charming, polite, and he was feeling generous, you would walk out proud homeowners.
The government’s furlough scheme was monumental not only in its size and scale, but also had ripples throughout every industry that deals with income and employment. The mortgage market is no different, and it is not hard to see why. One of the largest, if not THE largest part of a mortgage application is understanding, presenting, and proving people’s income. So how will your mortgage application be affected now that the scheme is coming to an end, and you are returning to work?