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<channel>
	<title>London &#38; Country Blog</title>
	<atom:link href="http://blog.lcplc.co.uk/feed/" rel="self" type="application/rss+xml" />
	<link>http://blog.lcplc.co.uk</link>
	<description>Mortgage insight and commentary</description>
	<lastBuildDate>Tue, 15 May 2012 09:25:36 +0000</lastBuildDate>
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		<title>What the papers say – 12th – 13th May 2012</title>
		<link>http://blog.lcplc.co.uk/2012/05/what-the-papers-say-%e2%80%93-12th-%e2%80%93-13th-may-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-%25e2%2580%2593-12th-%25e2%2580%2593-13th-may-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/05/what-the-papers-say-%e2%80%93-12th-%e2%80%93-13th-may-2012/#comments</comments>
		<pubDate>Tue, 15 May 2012 09:25:36 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Buy to Let]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Housing Incentives]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Remortgages]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2730</guid>
		<description><![CDATA[The Times took another look at lender criteria this weekend with critics claiming that some, including Northern Rock and Santander, have gone too far with their questioning to establish affordability, requiring such detail as how much a borrower spends on holidays, Christmas, and even their pets. With the market as uncertain as it is this [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/05/what-the-papers-say-%e2%80%93-12th-%e2%80%93-13th-may-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What the papers say – 5th – 9th May 2012</title>
		<link>http://blog.lcplc.co.uk/2012/05/what-the-papers-say-%e2%80%93-5th-%e2%80%93-9th-may-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-%25e2%2580%2593-5th-%25e2%2580%2593-9th-may-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/05/what-the-papers-say-%e2%80%93-5th-%e2%80%93-9th-may-2012/#comments</comments>
		<pubDate>Wed, 09 May 2012 13:46:26 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Interest Only]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Rate increases]]></category>
		<category><![CDATA[remortgage]]></category>
		<category><![CDATA[SVR]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2725</guid>
		<description><![CDATA[With lenders including Halifax, Co-Op, and Clydesdale and Yorkshire Banks increasing their Standard Variable Rates this month, the financial press this week has been full of warnings to borrowers to be vigilant in regards to their own mortgage. Experts in the Times, the Independent and the Financial Times advised homeowners to review their options as a matter [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/05/what-the-papers-say-%e2%80%93-5th-%e2%80%93-9th-may-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What the papers say – 28th – 29th April 2012</title>
		<link>http://blog.lcplc.co.uk/2012/04/what-the-papers-say-%e2%80%93-28th-%e2%80%93-29th-april-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-%25e2%2580%2593-28th-%25e2%2580%2593-29th-april-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/04/what-the-papers-say-%e2%80%93-28th-%e2%80%93-29th-april-2012/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 16:11:16 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Bank of England]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[remortgage]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2723</guid>
		<description><![CDATA[With the Bank of England predicted to keep its base rate on hold for some time to come, but several lenders increasing their Standard Variable Rates anyway, borrowers currently face a dilemma over which type of mortgage to choose. The Financial Times reported this weekend that 2 year fixed rates are the most common type [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/04/what-the-papers-say-%e2%80%93-28th-%e2%80%93-29th-april-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Great Rates But For How Long?</title>
		<link>http://blog.lcplc.co.uk/2012/04/great-rates-but-for-how-long/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=great-rates-but-for-how-long</link>
		<comments>http://blog.lcplc.co.uk/2012/04/great-rates-but-for-how-long/#comments</comments>
		<pubDate>Mon, 30 Apr 2012 11:38:27 +0000</pubDate>
		<dc:creator>David Hollingworth</dc:creator>
				<category><![CDATA[Fixed rate mortgages]]></category>
		<category><![CDATA[Bank of England]]></category>
		<category><![CDATA[David Hollingworth]]></category>
		<category><![CDATA[fixed rate mortgages]]></category>
		<category><![CDATA[fixed rates]]></category>
		<category><![CDATA[Lenders]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Remortgages]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2719</guid>
		<description><![CDATA[Recent statistics have shown that the average rate available on a 5 year fixed rate have been falling in recent years.  The figures from data provider Moneyfacts show that the average rate available has dropped substantially in the last year and by more than 1 per cent since 2010. That’s great news for those borrowers [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/04/great-rates-but-for-how-long/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Base Rate to Rise in Early 2013</title>
		<link>http://blog.lcplc.co.uk/2012/04/base-rate-to-rise-in-early-2013/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=base-rate-to-rise-in-early-2013</link>
		<comments>http://blog.lcplc.co.uk/2012/04/base-rate-to-rise-in-early-2013/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 16:55:26 +0000</pubDate>
		<dc:creator>Pete Gettins</dc:creator>
				<category><![CDATA[Bank of England Base Rate]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Bank of England]]></category>
		<category><![CDATA[Banking News]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2714</guid>
		<description><![CDATA[Bold eh? I’m in an extravagant mood today. Let me explain . . .  The Bank of England has forecast for some time been that inflation would start to fall, and accelerate, as the year went on with a real risk of going far too low. Only a couple of months ago the MPC pumped [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/04/base-rate-to-rise-in-early-2013/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What the papers say – 21st – 22nd April 2012</title>
		<link>http://blog.lcplc.co.uk/2012/04/what-the-papers-say-%e2%80%93-21st-%e2%80%93-22nd-april-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-%25e2%2580%2593-21st-%25e2%2580%2593-22nd-april-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/04/what-the-papers-say-%e2%80%93-21st-%e2%80%93-22nd-april-2012/#comments</comments>
		<pubDate>Mon, 23 Apr 2012 14:09:03 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[NewBuy]]></category>
		<category><![CDATA[Remortgages]]></category>
		<category><![CDATA[SVR]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2712</guid>
		<description><![CDATA[Lenders including the Co-Op Bank, Halifax and Clydesdale Bank are set to increase their Standard Variable Rates from next month, and thousands of borrowers will see their monthly payments rise as a result. The Times, Sunday Mirror and Observer all highlighted the importance for anyone on their lender’s SVR to review their options now and [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/04/what-the-papers-say-%e2%80%93-21st-%e2%80%93-22nd-april-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Thirty Per Cent in the UK have no Protection</title>
		<link>http://blog.lcplc.co.uk/2012/04/thirty-per-cent-in-the-uk-have-no-protection/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=thirty-per-cent-in-the-uk-have-no-protection</link>
		<comments>http://blog.lcplc.co.uk/2012/04/thirty-per-cent-in-the-uk-have-no-protection/#comments</comments>
		<pubDate>Fri, 20 Apr 2012 13:16:33 +0000</pubDate>
		<dc:creator>David Hollingworth</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Critical Illness]]></category>
		<category><![CDATA[David Hollingworth]]></category>
		<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[Income Protection]]></category>
		<category><![CDATA[Life Assurance]]></category>
		<category><![CDATA[Protection]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2707</guid>
		<description><![CDATA[Recent figures suggest that 30% of all adults in the UK are uninsured against death, critical illness, and loss of income through accident, sickness and redundancy.  The poll of more than 2000 people for unbiased.co.uk also found that 8% have either cut back or stopped taking out insurance cover in the last 12 months. The [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/04/thirty-per-cent-in-the-uk-have-no-protection/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>SIZE ISN’T EVERYTHING</title>
		<link>http://blog.lcplc.co.uk/2012/04/size-isn%e2%80%99t-everything/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=size-isn%25e2%2580%2599t-everything</link>
		<comments>http://blog.lcplc.co.uk/2012/04/size-isn%e2%80%99t-everything/#comments</comments>
		<pubDate>Mon, 16 Apr 2012 15:32:14 +0000</pubDate>
		<dc:creator>JaneHarrison</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Banking News]]></category>
		<category><![CDATA[Lenders]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2702</guid>
		<description><![CDATA[ Robert Peston’s blog gives some interesting insight into the ongoing discussions between Lloyds Banking Group and Co-Op about the sale of the so-called “Verde” branches and accounts. It’s well worth a read (after you’ve finished here of course) but in short he suggests that Co-Op would become such a big banking institution that the regulatory [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/04/size-isn%e2%80%99t-everything/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What the papers say – 7th – 11th April 2012</title>
		<link>http://blog.lcplc.co.uk/2012/04/what-the-papers-say-%e2%80%93-7th-%e2%80%93-11th-april-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-%25e2%2580%2593-7th-%25e2%2580%2593-11th-april-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/04/what-the-papers-say-%e2%80%93-7th-%e2%80%93-11th-april-2012/#comments</comments>
		<pubDate>Wed, 11 Apr 2012 16:24:58 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Rate increases]]></category>
		<category><![CDATA[remortgage]]></category>
		<category><![CDATA[Remortgages]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2699</guid>
		<description><![CDATA[With rates and set up costs on the increase, this week’s financial press urged borrowers to review their current mortgage deals as soon as possible. The Co-op bank is the latest lender to announce an increase in its Standard Variable Rate, a move which will affect around 54,000 homeowners, and the Telegraph suggested shopping around [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/04/what-the-papers-say-%e2%80%93-7th-%e2%80%93-11th-april-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Time for panic-buying?</title>
		<link>http://blog.lcplc.co.uk/2012/04/time-for-panic-buying/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=time-for-panic-buying</link>
		<comments>http://blog.lcplc.co.uk/2012/04/time-for-panic-buying/#comments</comments>
		<pubDate>Wed, 04 Apr 2012 11:04:43 +0000</pubDate>
		<dc:creator>Pete Gettins</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Bank of England]]></category>
		<category><![CDATA[Banking News]]></category>
		<category><![CDATA[fixed rate mortgages]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[Pete Gettins]]></category>
		<category><![CDATA[Rate increases]]></category>
		<category><![CDATA[Remortgages]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2688</guid>
		<description><![CDATA[It’s not just Francis Maude triggering a spate of panic buying – if you’ve been hanging round the Bank of England&#8217;s website you might feel the need to call your friendly mortgage adviser PDQ too. Once you’ve filled up the car of course. The Bank’s latest Credit Conditions Survey has just been released, and it [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/04/time-for-panic-buying/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What the papers say – 31st March – 1st April 2012</title>
		<link>http://blog.lcplc.co.uk/2012/04/what-the-papers-say-%e2%80%93-31st-march-%e2%80%93-1st-april-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-%25e2%2580%2593-31st-march-%25e2%2580%2593-1st-april-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/04/what-the-papers-say-%e2%80%93-31st-march-%e2%80%93-1st-april-2012/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 13:29:46 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Interest Only]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[remortgage]]></category>
		<category><![CDATA[Remortgages]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2684</guid>
		<description><![CDATA[The Times and FT reported this weekend on the heavy criticism facing HSBC over recent changes to its lending process. The bank has recently cut the number of solicitors and conveyancers on its panel from several thousand to just 43, but critics say this number is too small to cope with the volume of business [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/04/what-the-papers-say-%e2%80%93-31st-march-%e2%80%93-1st-april-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Early signs that first time buyer numbers are up</title>
		<link>http://blog.lcplc.co.uk/2012/04/early-signs-that-first-time-buyer-numbers-are-up/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=early-signs-that-first-time-buyer-numbers-are-up</link>
		<comments>http://blog.lcplc.co.uk/2012/04/early-signs-that-first-time-buyer-numbers-are-up/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 08:26:03 +0000</pubDate>
		<dc:creator>David Hollingworth</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[David Hollingworth]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[NewBuy]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2677</guid>
		<description><![CDATA[The Council of Mortgage Lenders has published figures indicating a significant rise in the number of first time buyers for January this year versus the same month last year.  The number and value of first time buyer mortgages both grew by 23% compared with January last year. That very positive figure of course belies a [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/04/early-signs-that-first-time-buyer-numbers-are-up/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Interest only borrowers under siege</title>
		<link>http://blog.lcplc.co.uk/2012/03/interest-only-borrowers-under-siege/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=interest-only-borrowers-under-siege</link>
		<comments>http://blog.lcplc.co.uk/2012/03/interest-only-borrowers-under-siege/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 16:42:59 +0000</pubDate>
		<dc:creator>David Hollingworth</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[David Hollingworth]]></category>
		<category><![CDATA[Interest Only]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Mortgage lending]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2671</guid>
		<description><![CDATA[Only last month we talked about the continued tightening in interest only criteria and I’m afraid that the trend has continued this month. More and more lenders have begun to impose restrictions on interest only lending.  The main approaches are either to reduce the maximum percentage of the property value (loan to value or LTV) [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/03/interest-only-borrowers-under-siege/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What the papers say – 24th – 25th March 2012</title>
		<link>http://blog.lcplc.co.uk/2012/03/what-the-papers-say-%e2%80%93-24th-%e2%80%93-25th-march-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-%25e2%2580%2593-24th-%25e2%2580%2593-25th-march-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/03/what-the-papers-say-%e2%80%93-24th-%e2%80%93-25th-march-2012/#comments</comments>
		<pubDate>Tue, 27 Mar 2012 08:15:24 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Interest Only]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[remortgage]]></category>
		<category><![CDATA[Remortgages]]></category>
		<category><![CDATA[Stamp Duty]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2669</guid>
		<description><![CDATA[The Financial Times and Independent on Sunday reported this weekend on further restrictions to lending criteria. Nationwide and Coventry Building Societies have become the latest lenders to restrict interest-only borrowing to 50% of the property value, and experts suggested that it will be increasingly hard for other mortgage providers to keep their current policies.  Borrowers [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/03/what-the-papers-say-%e2%80%93-24th-%e2%80%93-25th-march-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Demographics, house prices and mortgage design</title>
		<link>http://blog.lcplc.co.uk/2012/03/demographics-house-prices-and-mortgage-design/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=demographics-house-prices-and-mortgage-design</link>
		<comments>http://blog.lcplc.co.uk/2012/03/demographics-house-prices-and-mortgage-design/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 17:25:09 +0000</pubDate>
		<dc:creator>Pete Gettins</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Banking News]]></category>
		<category><![CDATA[house prices]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[Research]]></category>
		<category><![CDATA[Shared Equity]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2660</guid>
		<description><![CDATA[I had planned to talk about the budget today but for one thing everyone’s at it and for another, aside from the 15% rate on those attempting to dodge stamp duty by buying through a company plus retrospective hits for anyone weaselling out of that (got my inner leftie popping the cork on a bottle [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/03/demographics-house-prices-and-mortgage-design/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>What the papers say – 17th – 18th March 2012</title>
		<link>http://blog.lcplc.co.uk/2012/03/what-the-papers-say-%e2%80%93-17th-%e2%80%93-18th-march-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-%25e2%2580%2593-17th-%25e2%2580%2593-18th-march-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/03/what-the-papers-say-%e2%80%93-17th-%e2%80%93-18th-march-2012/#comments</comments>
		<pubDate>Mon, 19 Mar 2012 14:42:31 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Critical Illness]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Housing Incentives]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[NewBuy]]></category>
		<category><![CDATA[remortgage]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2657</guid>
		<description><![CDATA[The Government NewBuy scheme was the talk of the financial press this weekend, and reaction was definitely mixed. Under NewBuy, the taxpayer and housebuilders provide security for new build properties worth up to £500k, which acts as an indemnity for the mortgage lender in case of future repossession. Borrowers require a deposit of as little [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/03/what-the-papers-say-%e2%80%93-17th-%e2%80%93-18th-march-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Lenders hike mortgage rates for 1.2 million borrowers</title>
		<link>http://blog.lcplc.co.uk/2012/03/lenders-hike-mortgage-rates-for-1-2-million-borrowers/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=lenders-hike-mortgage-rates-for-1-2-million-borrowers</link>
		<comments>http://blog.lcplc.co.uk/2012/03/lenders-hike-mortgage-rates-for-1-2-million-borrowers/#comments</comments>
		<pubDate>Fri, 16 Mar 2012 11:04:56 +0000</pubDate>
		<dc:creator>James Cotton</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Bank of England]]></category>
		<category><![CDATA[Halifax]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Jane Harrison]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[Rate increases]]></category>
		<category><![CDATA[Remortgages]]></category>
		<category><![CDATA[Standard Variable Rate]]></category>
		<category><![CDATA[SVR]]></category>
		<category><![CDATA[variable rates]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2628</guid>
		<description><![CDATA[This month, and within days of the three-year anniversary of the Bank of England&#8217;s last change in interest rates (when they were cut to their current level of 0.5%), we&#8217;ve seen four mortgage lenders announce hikes in their Standard Variable Rate (SVR).  The upshot of these changes will be a rise in monthly mortgage payments [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/03/lenders-hike-mortgage-rates-for-1-2-million-borrowers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>What the papers say – 10th – 14th March 2012</title>
		<link>http://blog.lcplc.co.uk/2012/03/what-the-papers-say-%e2%80%93-10th-%e2%80%93-14th-march-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-%25e2%2580%2593-10th-%25e2%2580%2593-14th-march-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/03/what-the-papers-say-%e2%80%93-10th-%e2%80%93-14th-march-2012/#comments</comments>
		<pubDate>Thu, 15 Mar 2012 16:02:24 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Bank of England]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[remortgage]]></category>
		<category><![CDATA[Remortgages]]></category>
		<category><![CDATA[SVR]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2651</guid>
		<description><![CDATA[Last week marked the third anniversary of the Bank of England dropping base rate to 0.50%, but the financial press this week has turned to news of Clydesdale and Yorkshire Banks joining the list of lenders increasing their Standard Variable Rates. Brokers suggested that while these announcements will not necessarily result in a wave of [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/03/what-the-papers-say-%e2%80%93-10th-%e2%80%93-14th-march-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How would a mortgage rate rise affect your finances?</title>
		<link>http://blog.lcplc.co.uk/2012/03/how-would-a-mortgage-rate-rise-affect-your-finances/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-would-a-mortgage-rate-rise-affect-your-finances</link>
		<comments>http://blog.lcplc.co.uk/2012/03/how-would-a-mortgage-rate-rise-affect-your-finances/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 17:23:31 +0000</pubDate>
		<dc:creator>James Cotton</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[fixed rate mortgages]]></category>
		<category><![CDATA[Halifax]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[James Cotton]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Rate increases]]></category>
		<category><![CDATA[remortgage]]></category>
		<category><![CDATA[Standard Variable Rate]]></category>
		<category><![CDATA[SVR]]></category>
		<category><![CDATA[variable rates]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2636</guid>
		<description><![CDATA[If you’re one of the 1.2 million homeowners affected by the recent rises in lender Standard Variable Rates (SVRs), make sure you check to see what your new repayments will be.  You may have been enjoying a low and stable interest rate for a while, but that is about to change and it’s important that [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/03/how-would-a-mortgage-rate-rise-affect-your-finances/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Get it while you can</title>
		<link>http://blog.lcplc.co.uk/2012/03/get-it-while-you-can/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=get-it-while-you-can</link>
		<comments>http://blog.lcplc.co.uk/2012/03/get-it-while-you-can/#comments</comments>
		<pubDate>Wed, 07 Mar 2012 18:08:55 +0000</pubDate>
		<dc:creator>Pete Gettins</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Banking News]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[SVR]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2615</guid>
		<description><![CDATA[ The press has been full of Standard Variable Rate changes – first RBS increased the standard rates for its One Account borrowers by 0.25%, followed almost immediately by Halifax increasing its rate from 3.50% to 3.99% for an estimated 850,000 customers. Now we have news that Bank of Ireland (aka Bristol &#38; West) upping its [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/03/get-it-while-you-can/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Halifax Gives its SVR Cap More Headroom</title>
		<link>http://blog.lcplc.co.uk/2012/03/halifax-gives-its-svr-cap-more-headroom/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=halifax-gives-its-svr-cap-more-headroom</link>
		<comments>http://blog.lcplc.co.uk/2012/03/halifax-gives-its-svr-cap-more-headroom/#comments</comments>
		<pubDate>Fri, 02 Mar 2012 14:33:55 +0000</pubDate>
		<dc:creator>David Hollingworth</dc:creator>
				<category><![CDATA[standard variable rates]]></category>
		<category><![CDATA[Banking News]]></category>
		<category><![CDATA[David Hollingworth]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Rate increases]]></category>
		<category><![CDATA[SVR]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2611</guid>
		<description><![CDATA[Halifax has announced that it will increase the cap that applies to its standard variable rate (SVR) for some borrowers.  The cap will increase from 3% above Bank of England Base Rate to as much as 3.75% above Base Rate. That may not come as a big surprise to some as this isn’t the first [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/03/halifax-gives-its-svr-cap-more-headroom/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Interested in Interest Only?</title>
		<link>http://blog.lcplc.co.uk/2012/02/interested-in-interest-only/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=interested-in-interest-only</link>
		<comments>http://blog.lcplc.co.uk/2012/02/interested-in-interest-only/#comments</comments>
		<pubDate>Wed, 29 Feb 2012 18:50:12 +0000</pubDate>
		<dc:creator>David Hollingworth</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[David Hollingworth]]></category>
		<category><![CDATA[Interest Only]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[remortgage]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2601</guid>
		<description><![CDATA[Anyone showing even a small interest in the mortgage market will have read about how things have tightened up in the last few years, making it harder to get a mortgage.  One area that continues to see lenders getting tougher on borrowers is that of interest only mortgages. Lenders across the market have already tightened [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/02/interested-in-interest-only/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mutual appreciation</title>
		<link>http://blog.lcplc.co.uk/2012/02/mutual-appreciation/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=mutual-appreciation</link>
		<comments>http://blog.lcplc.co.uk/2012/02/mutual-appreciation/#comments</comments>
		<pubDate>Mon, 27 Feb 2012 10:39:42 +0000</pubDate>
		<dc:creator>Pete Gettins</dc:creator>
				<category><![CDATA[Building Societies]]></category>
		<category><![CDATA[Building Society]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Mutual]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2592</guid>
		<description><![CDATA[It’s been a funny old start to the year and the last few weeks have seen sequence of mortgage rate hikes. Just in the last seven days we’ve seen price increases from Coventry, the Bank Formerly Known As Northern Rock, Halifax, Marsden, Natwest, Yorkshire, Marsden again, Natwest again and so on. This at a time [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/02/mutual-appreciation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>First time buyers rush to meet stamp duty deadline</title>
		<link>http://blog.lcplc.co.uk/2012/02/first-time-buyers-rush-to-meet-stamp-duty-deadline/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=first-time-buyers-rush-to-meet-stamp-duty-deadline</link>
		<comments>http://blog.lcplc.co.uk/2012/02/first-time-buyers-rush-to-meet-stamp-duty-deadline/#comments</comments>
		<pubDate>Wed, 22 Feb 2012 17:46:59 +0000</pubDate>
		<dc:creator>JaneHarrison</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[house prices]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Money Saving]]></category>
		<category><![CDATA[Stamp Duty]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2583</guid>
		<description><![CDATA[Figures just released by HMRC have confirmed an increase in property transactions in January 2012, up 23% compared to January 2011. This is undoubtedly being fuelled by first time buyers keen to get onto the property ladder before the 24 March stamp duty exemption deadline. The data shows there were 64,000 buyers overall in January, [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/02/first-time-buyers-rush-to-meet-stamp-duty-deadline/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Lenders favour buy to let in 2012</title>
		<link>http://blog.lcplc.co.uk/2012/02/lenders-favour-buy-to-let-in-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=lenders-favour-buy-to-let-in-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/02/lenders-favour-buy-to-let-in-2012/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 12:07:34 +0000</pubDate>
		<dc:creator>JaneHarrison</dc:creator>
				<category><![CDATA[Buy to Let]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Landlord]]></category>
		<category><![CDATA[Mortgage Calculators]]></category>
		<category><![CDATA[remortgage]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2576</guid>
		<description><![CDATA[We’re almost through the second month of 2012, and what is abundantly clear is that lenders are really keen to develop their buy to let mortgage business this year. This isn’t of course too surprising as there were a number of signs at the end of 2011 that this would be the case. Data from [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/02/lenders-favour-buy-to-let-in-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>What the papers say &#8211; 18th and 19th February 2012</title>
		<link>http://blog.lcplc.co.uk/2012/02/what-the-papers-say-18th-and-19th-february-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-18th-and-19th-february-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/02/what-the-papers-say-18th-and-19th-february-2012/#comments</comments>
		<pubDate>Mon, 20 Feb 2012 15:35:14 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Interest Only]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[remortgage]]></category>
		<category><![CDATA[Remortgages]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2573</guid>
		<description><![CDATA[The Lloyds Banking Group became the latest set of lenders to introduce tougher criteria last week, when it announced that it would no longer accept cash savings, including ISA’s, as a suitable repayment vehicle, and would also further restrict the use of stocks and shares. The Guardian, Telegraph and Sunday Times all reported on these [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/02/what-the-papers-say-18th-and-19th-february-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>What the papers say &#8211; 11th and 12th February 2012</title>
		<link>http://blog.lcplc.co.uk/2012/02/what-the-papers-say-11th-and-12th-february-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-11th-and-12th-february-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/02/what-the-papers-say-11th-and-12th-february-2012/#comments</comments>
		<pubDate>Mon, 13 Feb 2012 17:16:28 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Housing Incentives]]></category>
		<category><![CDATA[Interest Only]]></category>
		<category><![CDATA[Interest Rates]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2571</guid>
		<description><![CDATA[The focus of much of this weekend’s financial press was the continued clampdown by lenders in regards to criteria, following recent FSA proposals on responsible lending. The Times, Telegraph and Financial Times all reported on Santander’s announcement that it would be cutting its maximum Loan-to-Value (LTV) for interest only mortgages from 75% to 50%, and [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/02/what-the-papers-say-11th-and-12th-february-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Cost of raising a child in excess of £218,000</title>
		<link>http://blog.lcplc.co.uk/2012/02/cost-of-raising-a-child-in-excess-of-218000/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=cost-of-raising-a-child-in-excess-of-218000</link>
		<comments>http://blog.lcplc.co.uk/2012/02/cost-of-raising-a-child-in-excess-of-218000/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 14:26:28 +0000</pubDate>
		<dc:creator>James Cotton</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[David Hollingworth]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[Life Assurance]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[sav]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2552</guid>
		<description><![CDATA[The most recent report from LV= shows that the cost of raising a child has increased by more than 3% in the last year.  The total cost of raising a child from birth to the age of 21 is now measured at an eye-popping £218,024. The biggest factors in the cost are education and childcare [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/02/cost-of-raising-a-child-in-excess-of-218000/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What’s new in the mortgage market?</title>
		<link>http://blog.lcplc.co.uk/2012/01/what%e2%80%99s-new-in-the-mortgage-market/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what%25e2%2580%2599s-new-in-the-mortgage-market</link>
		<comments>http://blog.lcplc.co.uk/2012/01/what%e2%80%99s-new-in-the-mortgage-market/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 17:53:43 +0000</pubDate>
		<dc:creator>David Hollingworth</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Bank of England]]></category>
		<category><![CDATA[David Hollingworth]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[fixed rates]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[Remortgages]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2546</guid>
		<description><![CDATA[The last few years have been a difficult time for the mortgage market and the industry and borrowers alike have become used to the fact that there have been fewer mortgage options available as a result. However there have been some positive moves in the market in 2012 and some mortgage lenders are even showing a [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/01/what%e2%80%99s-new-in-the-mortgage-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You’ve never had it so good</title>
		<link>http://blog.lcplc.co.uk/2012/01/you%e2%80%99ve-never-had-it-so-good/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=you%25e2%2580%2599ve-never-had-it-so-good</link>
		<comments>http://blog.lcplc.co.uk/2012/01/you%e2%80%99ve-never-had-it-so-good/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 17:38:14 +0000</pubDate>
		<dc:creator>JaneHarrison</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Critical Illness]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Jane Harrison]]></category>
		<category><![CDATA[Life Assurance]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2541</guid>
		<description><![CDATA[That is, it’s never been such a good time to buy life insurance. Rates have fallen in recent years as advancements in medical science have helped people live longer. However, the falling trend in rates could be about to end as two factors are likely to impact on the cost of this all-important cover. Firstly, [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/01/you%e2%80%99ve-never-had-it-so-good/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What the papers say – 28th and 29th January 2012</title>
		<link>http://blog.lcplc.co.uk/2012/01/what-the-papers-say-%e2%80%93-28th-and-29th-january-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-%25e2%2580%2593-28th-and-29th-january-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/01/what-the-papers-say-%e2%80%93-28th-and-29th-january-2012/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 10:42:57 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[fixed rates]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Offset]]></category>
		<category><![CDATA[remortgage]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2538</guid>
		<description><![CDATA[The Financial Times reported this weekend on the wide variety of mortgage news over recent weeks. Homeowners can now secure cheaper fixed rate deals than a year ago with some lenders, while others such as Nationwide have increased both tracker and fixed rates. The Times, Sunday Telegraph, Sunday Times and Sunday Express all carried news [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/01/what-the-papers-say-%e2%80%93-28th-and-29th-january-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What the papers say – 21st and 22nd January 2012</title>
		<link>http://blog.lcplc.co.uk/2012/01/what-the-papers-say-%e2%80%93-21st-and-22nd-january-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-%25e2%2580%2593-21st-and-22nd-january-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/01/what-the-papers-say-%e2%80%93-21st-and-22nd-january-2012/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 16:07:03 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[Interest Only]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[remortgage]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2536</guid>
		<description><![CDATA[The Times looked this weekend at the various factors that can have a bearing on borrowing levels, including student loans, the number of dependants a person has, and even whether or not they have had a landline installed. Brokers were keen to point out that affordability calculators offered by most lenders online are just an [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/01/what-the-papers-say-%e2%80%93-21st-and-22nd-january-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgages at their most affordable since 1997</title>
		<link>http://blog.lcplc.co.uk/2012/01/mortgages-at-their-most-affordable-since-1997/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=mortgages-at-their-most-affordable-since-1997</link>
		<comments>http://blog.lcplc.co.uk/2012/01/mortgages-at-their-most-affordable-since-1997/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 17:17:27 +0000</pubDate>
		<dc:creator>James Cotton</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Barclays]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Halifax]]></category>
		<category><![CDATA[house prices]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Remortgages]]></category>
		<category><![CDATA[Research]]></category>
		<category><![CDATA[Surveys]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2521</guid>
		<description><![CDATA[Mortgage payments for new borrowers are now more affordable than they have been for 14 years according to new research from Halifax. The lender looked at average monthly mortgage costs as a proportion of disposable income for new borrowers – both first time buyers and homemovers.  It found that in the 4th quarter of 2011, [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/01/mortgages-at-their-most-affordable-since-1997/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What the papers say &#8211; 14th and 15th January 2012</title>
		<link>http://blog.lcplc.co.uk/2012/01/what-the-papers-say-14th-and-15th-january-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-14th-and-15th-january-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/01/what-the-papers-say-14th-and-15th-january-2012/#comments</comments>
		<pubDate>Mon, 16 Jan 2012 17:14:40 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Lenders]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[SVR]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2518</guid>
		<description><![CDATA[Despite an uncertain outlook for the mortgage market and a recent increase in rates by lenders including ING, experts in this weekend’s financial press suggested that there are still competitively priced deals to be found. The Times warned however that borrowers should watch out for extra costs attached to ‘best-buy’ rates, as many lenders have [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/01/what-the-papers-say-14th-and-15th-january-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What the papers say &#8211; 7th and 8th January 2012</title>
		<link>http://blog.lcplc.co.uk/2012/01/what-the-papers-say-7th-and-8th-january-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-7th-and-8th-january-2012</link>
		<comments>http://blog.lcplc.co.uk/2012/01/what-the-papers-say-7th-and-8th-january-2012/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 16:50:12 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Buy to Let]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2516</guid>
		<description><![CDATA[The plight of the First Time Buyer continues into the New Year, with the Sunday Times reporting that, despite lenders introducing more competitive rates, deals remain costly and hard to obtain, largely due to the size of deposit now required. Experts in the Sunday Express also suggested that a squeaky clean credit record and minimal [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2012/01/what-the-papers-say-7th-and-8th-january-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Majority of First Time Buyers Seek Help from Mum &amp; Dad</title>
		<link>http://blog.lcplc.co.uk/2011/12/the-majority-of-first-time-buyers-seek-help-from-mum-dad/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-majority-of-first-time-buyers-seek-help-from-mum-dad</link>
		<comments>http://blog.lcplc.co.uk/2011/12/the-majority-of-first-time-buyers-seek-help-from-mum-dad/#comments</comments>
		<pubDate>Fri, 23 Dec 2011 13:56:17 +0000</pubDate>
		<dc:creator>David Hollingworth</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Bank of Mum and Dad]]></category>
		<category><![CDATA[David Hollingworth]]></category>
		<category><![CDATA[Lenders]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2510</guid>
		<description><![CDATA[It will come as no surprise to many that first time buyers have been having a hard time of things recently and figures from The Council of Mortgage Lenders do little to change that view. It has published research of the first time buyer market that helps shed light on just how big an impact [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2011/12/the-majority-of-first-time-buyers-seek-help-from-mum-dad/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FSA Publishes Common Sense Mortgage Rules</title>
		<link>http://blog.lcplc.co.uk/2011/12/fsa-publishes-common-sense-mortgage-rules/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=fsa-publishes-common-sense-mortgage-rules</link>
		<comments>http://blog.lcplc.co.uk/2011/12/fsa-publishes-common-sense-mortgage-rules/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 15:09:54 +0000</pubDate>
		<dc:creator>David Hollingworth</dc:creator>
				<category><![CDATA[Banking Regulation]]></category>
		<category><![CDATA[Banking News]]></category>
		<category><![CDATA[David Hollingworth]]></category>
		<category><![CDATA[FSA]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Mortgage lending]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2506</guid>
		<description><![CDATA[The Mortgage Market Review (MMR) is a major piece of work that the regulator has been conducting over the last couple of years in a bid to lay down the rules for mortgage lending to follow in future. The new rules have been received favourably as the consultation begins to move into the final phase [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2011/12/fsa-publishes-common-sense-mortgage-rules/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A bridge too far?</title>
		<link>http://blog.lcplc.co.uk/2011/12/a-bridge-too-far/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=a-bridge-too-far</link>
		<comments>http://blog.lcplc.co.uk/2011/12/a-bridge-too-far/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 17:21:56 +0000</pubDate>
		<dc:creator>Pete Gettins</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[David Hollingworth]]></category>
		<category><![CDATA[house prices]]></category>
		<category><![CDATA[mortgage lenders]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2493</guid>
		<description><![CDATA[Much consternation in media today following the Daily Mail’s front page story about helping so-called mortgage prisoners trapped by negative equity. John Humphries on the Today programme seemed particularly exercised by the idea when interviewing our own David Hollingworth.  So what’s going on? And would a rather stretched metaphor help any?  The first thing to [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2011/12/a-bridge-too-far/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What the papers say- 10th &#8211; 14th December 2011</title>
		<link>http://blog.lcplc.co.uk/2011/12/what-the-papers-say-10th-14th-december-2011/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-the-papers-say-10th-14th-december-2011</link>
		<comments>http://blog.lcplc.co.uk/2011/12/what-the-papers-say-10th-14th-december-2011/#comments</comments>
		<pubDate>Wed, 14 Dec 2011 17:35:01 +0000</pubDate>
		<dc:creator>Lisa Parker</dc:creator>
				<category><![CDATA[Press]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Remortgages]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2490</guid>
		<description><![CDATA[Changes in the mortgage market, both in terms of rate and criteria, were the subject of much discussion in the financial press this week. The Sunday Telegraph considered how the increased cost of funding, resulting from the eurozone crisis, has led to mortgage rates gradually starting to increase over recent months, while the Sunday Times [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2011/12/what-the-papers-say-10th-14th-december-2011/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Make sure you get the best mortgage deal in 2012</title>
		<link>http://blog.lcplc.co.uk/2011/12/make-sure-you-get-the-best-mortgage-deal-in-2012/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=make-sure-you-get-the-best-mortgage-deal-in-2012</link>
		<comments>http://blog.lcplc.co.uk/2011/12/make-sure-you-get-the-best-mortgage-deal-in-2012/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 16:19:44 +0000</pubDate>
		<dc:creator>James Cotton</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Buy to Let]]></category>
		<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[fixed rates]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[James Cotton]]></category>
		<category><![CDATA[Remortgages]]></category>
		<category><![CDATA[Stamp Duty]]></category>

		<guid isPermaLink="false">http://blog.lcplc.co.uk/?p=2480</guid>
		<description><![CDATA[With 2011 fast drawing to a close and attention turned to shopping, cooking and partying anyone can be forgiven for not considering their mortgage. But once we’re into the New Year there should be no excuse for making sure you get the best deal on what is likely to be your biggest monthly expenditure. Whether [...]]]></description>
		<wfw:commentRss>http://blog.lcplc.co.uk/2011/12/make-sure-you-get-the-best-mortgage-deal-in-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
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