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New research from first direct shows the increasingly difficult task house buyers face in affording a house and a deposit, with rises in the cost of these far outstripping rises in income.


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As first direct launches a range of new offset mortgage rates* the direct bank has discovered that by renting out a spare room for just 5 years homeowners with an offset mortgage could reap the benefits.  With students returning to university and house prices remaining out of reach for many...


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Office of National Statistic (ONS) data released on Tuesday showed that fees from financial services added to CPI (consumer Price Index) inflation in July 2011, increasing 1.1% between June and July.  Mortgage fees have been highlighted as the culprit.  However mortgage fees are often used by lenders to manage down a mortgage rate...


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first direct has changed the structure of its mortgage offering to make it easier for customers to decide which mortgage is best for them, whilst accommodating the needs of those who prefer not to pay up-front costs.  There are three categories 'Standard', 'Fee Free' and 'Limited Edition'.


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After Spencer Dale, Executive Director and Chief Economist at the Bank of England, signalled this weekend that families should plan for interest rates to rise gradually over the next two years, the fix or tracker mortgage debate has heated up once again.


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According to recent research* carried out on behalf of first direct, mortgage holders who have come to the end of their current mortgage deal and are 'free to leave'** appear more sensitive to a rise in their monthly payments than a rise in the Bank of England Base Rate.


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first direct's Hamilton call centre gym opening. Pictured: Left to right; Steve Smith, head of Hamilton first direct and Richard Kerr, HSBC Hamilton's centre director. Next picture in sequence - www.newsroom.firstdirect.co m/p...


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Get almost 36 times more for your savings with an offset In the current environment of low interest rates, rising i3.8ation and the recent hike in high earner's income tax rate everyone is hunting for the best home for their hard earned savings. For those wanting easy access to their savings an instant access account is a must...


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New Free Transfer Offer* makes moving mortgages to save money even easier first direct launches it's lowest ever mortgage rate on 23 December. At 1.49% above base rate (current pay rate 1.99%) for two years, it's an amazing deal for many homeowners sitting on a competitor's SVR. There's a £999 booking fee...


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Should mortgage customers Fix or Float?  The ongoing economic turbulence throughout 2010 left the 'fix or float your mortgage' debate rather one sided. With no sign of interest rates rising, many homeowners have sat tight on standard rates or opted for trackers.


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