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Latest News Interest Rates Update
15th May 2008 House Prices – who knows what happens next?
15th May 2008 Are you getting impartial advice for your finances?
15th May 2008

Latest News from Simplicity Financial Services

Interest Rates Update 15th May 2008 UK interest rates have been held at 5% as the Bank of England decided to focus on inflation risks, despite signs that the economy is slowing. We had expected the rate freeze, although many analysts...

House Prices – who knows what happens next? 15th May 2008 With much speculation (and remember, it is all speculation) happening since the Credit Crunch, where do we currently stand on property prices? For a long time it was believed that the effects of...

Are you getting impartial advice for your finances? 15th May 2008 Currently, high street banks offer ‘advice’ on issues such as pensions, investments and life cover, frequently offering a choice of their own products only. Such advice is currently...

Credit Record: 15th May 2008 Much of mortgage lender’s decision making process is dependent on your credit score, particularly with the sub-prime market in the US effectively causing the now- infamous Credit Crunch. With...

Simplicity Hits The Headlines 15th April 2008 As Simplicity grows as an authority figure within the mortgage industry, our esteemed Mortgage Director, and “Young Mortgage Broker of the Year” Matthew Harris made his television debut on ITN...

House Prices 15th April 2008 Whenever people talk about the property market they are talking about the UK market as a whole and not the little micro-economies that appear up and down our great nation. With that in mind a...

Mortgage Rates 15th April 2008 Following the drop in the Bank of England Base Rate to 5% on Thursday, are we going to finally see the decreasing rates passed on by mortgage lenders?Probably not. Most of the better fixed rate deals have...

It's simple - Isa's are more flexible 15th April 2008 Savers and investors will able to stash more money in individual savings accounts (Isas) and gain more freedom about what they do with their cash under new rules. The government says the shake-up is...

Whirlow Farm 15th April 2008 Spring has really sprung at Whirlow Hall Farm Trust. Of our 285 ewes, 235 have given birth now so the barn and the fields are full of lambs playing together whenever the sun comes out. We time...

Private Eye Property could be your new best friend ... 15th April 2008 With Simplicity Financial Services ever expanding and the London branch becoming busier, we're delighted to introduce a fantastic new company that could save you a lot of time and...

The Bank of England's Monetary Policy Committee 14th March 2008 The Bank of England's Monetary Policy Committee has this month voted to hold the base rate at 5.25% following last months cut. We are now seeing lenders scaling back on loan to value ratios dramatically...

First Time Buyers 14th March 2008 With all the talk in the press regarding the demise of the 125% mortgage, horror stories of the impossibilities of making that first step onto the property market and a general feel of utter doom and...

The Budget by Alistair Darling 14th March 2008 For those looking for a brief look at how Alistair Darling’s recent budget affects the us, read on: Comments on the recent budget have largely suggested that Alistair Darling hasn’t...

Pre-year end tax planning for individuals – tax year ending 5 April 2008 14th March 2008 Tax planning may help to reduce your tax liabilities and therefore improve your overall financial position. Listed below are some planning ideas to consider prior to the end of the tax year on 5 April...

Whirlow Hall Farm 14th March 2008 Simplicity’s charity of choice – Whirlow Hall Farm, bring you news of what’s happening in the coming months. Our second round of lambing begins on 1st April - we have...

Buy-to-let market still thriving 27th February 2008 The buy-to-let property market is still thriving, according to the Council of Mortgage Lenders (CML).The number of buy-to-let loans rose by 23% last year, taking their number to 1,038,000 and accounting...

Bank voted 8-1 for cut to 5.25% 27th February 2008 The Bank of England's rate-setting Monetary Policy Committee (MPC) voted by 8-1 to cut interest rates to 5.25% earlier this month, minutes have shown.The bank decided to lower rates by a quarter of a...

Young buyers are forced to produce a deposit, This is the end of 100% mortgages 20th February 2008 Mortgages which let people borrow more than the value of their home were radically scrapped yesterday. Before Christmas, a third of lenders offered mortgages of 100 per...

Bank of England Reduces Bank Rate by 0.25 Percentage Points to 5.25% 7th February 2008 The Bank of England’s Monetary Policy Committee today voted to reduce the official Bank Rate paid on commercial bank reserves by 0.25 percentage points to 5.25%. The prospects for output...

Bank cuts interest rates to 5.25% 7th February 2008 The Bank of England's rate-setting committee has cut interest rates to 5.25% from 5.5% amid signs that the UK economy is slowing down. Analysts had widely predicted the move, which followed recent...

FSA 'failed over Northern Rock' 29th January 2008 The Financial Services Authority is guilty of a "systematic failure of duty" over the Northern Rock crisis, a key parliamentary committee has said. The Treasury committee said the UK's financial...

Record mortgage lending in 2007 29th January 2008 Last year saw the strongest gross mortgage lending to date, but the market is weakening, the Council for Mortgage Lenders (CML) has said. CML figures showed gross lending reached £362bn in...

House prices in 2008 - up or down? 29th January 2008 House prices could be even more of a talking point than usual in 2008. For the first time since 1995, this could be a year in which property prices actually fall. However, that is not what most...

FSA mulls price comparison site regulation 29th January 2008 The Financial Services Authority could review how it regulates insurance price comparison websites as a result of new research from the British Insurance Brokers’ Association. BIBA urged the FSA...

Fed drops base rate to 3.5% 29th January 2008 The US Federal Reserve has today slashed the base rate by 0.75%, bringing the official interest rate to 3.5%.The Federal Open Market Committee says it took the action in consideration of the weakening...

House prices slide 0.3% in January 29th January 2008 House prices fell 0.3% in January, data for the month so far from Hometrack has revealed.January’s fall was the fourth consecutive monthly drop in average house price values, although year-on-year...

Helping your children buy their property 15th January 2008 With property prices already out of reach for many, and uncertainties around interest rates, first-time buyers often struggle to get their foot on the property ladder. "The Bank of Mum and Dad" is...

Abbey Mortgages urges Britons to prepare for changes 10th January 2008 Abbey Mortgages is advising people to make sure they are financially prepared to meet unexpected changes in the coming year. According to research from Abbey Mortgages, 62 per cent...

The lowdown on property taxes 9th January 2008 An increasing number of people are facing tax charges on the sale of their homes where they own more than one property or are selling off land for property development. However, profits made on the sale...

Libor falls to lowest level since credit crunch 9th January 2008 Is property in the UK heading for a crash? Or can we still prosper, despite the wobble? In the first of three special reports on the housing market in 2008, Phil Thornton pinpoints the issues...

Look beyond the low rates of mortgage 'bargains' 9th January 2008 SHOPPERS can save thousands of pounds on a mortgage in the New Year sales, but they should consider more than just the headline rate or it may cost more than they expect.HSBC is offering a two-year...

Your survival guide to the year ahead 9th January 2008 <h2>Is property in the UK heading for a crash? Or can we still prosper, despite the wobble? In the first of three special reports on the housing market in 2008, Phil Thornton pinpoints the issues...

Lenders ''should automatically pass on rate cuts'' - buy to let mortgages 24th December 2007 Mortgage lenders should immediately transfer the benefits of base rate cuts to their customers rather than delaying or passing on partial cuts, moneysupermarket.com has said. The...

Options open to avoid repossession 20th December 2007 Homeowners who fall behind on their mortgage repayments still have options available to them but they must take action, it has been claimed.According to the Repossessions Advice Centre, homeowners must...

Rics predicts 2008 housing market 20th December 2007 The Royal Institution of Chartered Surveyors (Rics) has predicted that house prices will remain broadly unchanged in 2008 but acknowledged that the market could face short-term weaknesses.Following the...

A borrower’s guide to Mortgages 17th December 2007 Perhaps it's not surprising we're all so concerned when oneconsiders that the housing market is something that affects us all,whether we're already homeowners or are considering our fist...

Rate cut costs homeowners £10m a month 17th December 2007 Homebuyers are paying about £10m a month more than they need to in mortgage repayments because lenders are refusing to pass on the latest cut in interest...

First-time buyers not put off 5th November 2007 Not to be put off by the recent slow downs in the property market, first-time buyers are fighting back, according to new research.Fairinvestment.co.uk has found the number of first-time buyers making...

Borrowers feeling the pressure 22nd October 2007 Following five interest rate hikes, borrowers are feeling the pinch and cutting down on savings, a survey has revealed.According to Alliance & Leicester's latest figures the appetite for unsecured...

Buy and rent-back is 'disaster' 22nd October 2007 Firms that buy homes at knock down prices and then rent them back to the occupier have been criticised by the Citizens Advice Bureau.Some companies pay less than 60 per cent of a home's market value and...

Hips still not popular 12th October 2007 The public remain unconvinced by Home Information Packs (Hips) according to London & Country.The fee-free mortgage broker believes most of the public do not understand what you actually get when...

Darling Raises IHT But Ignores Stamp Duty In Pre-Budget Report 11th October 2007 The Labour government is being accused of stealing Tory policy in their pre-budget report yesterday. The Chancellor raised the threshold for inheritance tax, closed the loopholes for wealthy...

Mortgage Market Report 11th October 2007 Mortgage Market Report 11 September 2007 Market Commentary Economic Background - Inflation Credit Cards ...

Flooding swells insurance costs 9th October 2007 Home insurance costs have risen at their fastest rate since 1994 after this summer's widespread flooding, according to the AA. Buildings premiums jumped by 3% in the past quarter, reflecting the...

Act now to beat mortgage squeeze 11th September 2007 The turmoil in the global financial markets may soon force up certain home loans so borrowers should move quickly to snap up the best deals Hundreds of thousands of borrowers coming to the end of cheap...

Buy-to-let alive and well 11th September 2007 Buy-to-let investors are continuing to pile into the property market in spite of rising interest rates, lured by strong rises in rents, the Royal Institution of Chartered Surveyors said today. Demand...

Base rate held for second month running 7th September 2007 The Monetary Policy Committee (MPC) have voted to freeze the Bank of England Base Rate at 5.75 per cent. By holding interest rates at their current level for the second consecutive month, the MPC have...

Homeowners to give HIPs the slip 21st August 2007 Research by Abbey Mortgages has found that millions of homeowners plan to exploit a Home Information Pack (HIP) loophole. As many as 4.5 million homeowners with a four-bedroomed property are planning on...

US sub-prime woes could hit UK homebuyers 17th August 2007 The US sub-prime crisis could lead UK borrowers with credit troubles to have problems securing a mortgage, claims the Centre for Economic and Business Research (CEBR).The fall-out of the sub-prime crisis...

Hips go live 1st August 2007 Home Information Packs (Hips) went live today in England and Wales.The packs, providing details of local searches, evidence of title and an energy performance certificate, will first apply to homes coming...

Government green paper to help first time buyers 23rd July 2007 The Government is expected to announce plans today for a new 17.5 per cent government equity loan, designed to make it easier for people to get on to the housing ladder by owning less than a fifth...

First-time buyers missing basic checks 18th July 2007 At this time of year a lot of young people, particularly graduates, will be starting employment, earning money and looking to make that first leap onto the property ladder. However, new research suggests...

Prices continue to rise for now 18th July 2007 Annual house price growth reached 11 per cent in June, according to figures released by Assetz. This was a 0.3 per cent increase in the rate of growth from the previous month (10.7 per cent)....

Homes to transform in next 20 years, says A&L 16th July 2007 Environmental pressures, changing demographics and technology will pave the way for futuristic four-up-two-down, three-generation family homes within the next 20 years, according to Alliance &...

B2l returns increase 13% over year 16th July 2007 Buy-to-let returns have increased 13% over the past year, Birmingham Midshires b2l bi-annual review reveals.The review covers property prices and rental values for buy-to-let properties both at national...

Broad welcome for PM's housing proposals 12th July 2007 Industry commentators have welcomed Gordon Brown's proposals to increase housing supply and review mortgage funding flexibility. The Council of Mortgage Lenders welcomed the proposals. It has said...

Industry reacts to revised timetable 12th June 2007 The government has laid out its plans for the revised implementation of Home Information Packs (HIPs). Ruth Kelly has offered fresh reassurance for home buyers and sellers that the Government remains...

UK inflation slows to 2.5% in May 12th June 2007 The UK's rate of inflation slowed in May to the weakest level in seven months, official figures have shown. Consumer price inflation fell to 2.5% last month, against 2.8% in April, the Office for...

UK interest rates remain at 5.5% 7th June 2007 The Bank of England has held UK interest rates at 5.5% following its latest meeting, but analysts say a rate rise later this year remains likely. The decision to freeze rates had been expected, to give...

Home info packs delayed to August 23rd May 2007 The introduction of Home Information Packs is to be delayed until 1 August - when they will be brought in for sales of homes with four bedrooms or more. The packs were due to become compulsory for all...

The Islamic Mortgage Market 1st August 2005 The Islamic mortgage market is set to grow by 47% a year and could be worth £1.4bn by 2009, market research group Datamonitor has said. There is a growing demand from the UK's 1.8...

SimpliComic Relief? 10th March 2005 Little Britain has a lot to answer for. After ruling out pink lycra, the Simplicity team could not think further than dressing as ladies. We stumbled past Victorian dresses, liked the idea of beards and...

Simplicity Financial Services Website 7th March 2005 They say that things happen quickly on the internet. You should try launching a compliant financial services website. After 6 months of development and a change in regulation we are delighted...

Bulgaria - a property investment opportunity 7th March 2005 Simplicity Financial Services are proud to announce that they are the sole selling agents in the UK for "SimpliBulgaria - the rural project". Location The location is close to Veliko Tarnovo in the...