House Price Spy Blog

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The average asking price for UK non-commercial properties rose by around 2.4% (This figure rises to over 5% for regions like East Anglia) which represents the largest rise for more than a year. I stress this was asking price rather than sale price, but this surely shows that confidence is returning to the market during the peak selling/buying period of summer. Whether this is just the busy time of the year and not an upturn it still helps the industry and the finance industry.

There will be plenty of deals done during the next quarter, people are not accepting the recession bunker mentality-unless you or your partner lose your jobs then belt tightening will be all that is required. The number of mortgages approved rose to a 10 month high, so there are still sales being made.

The fact that prices are down means there are more overseas buyers and government schemes to put government workers into housing and the usual speculators. Low prices are just another challenge, unless you are selling up and NOT buying such as pensioners, in which case the rapid rise during the last 10 years will have been misleading. More importantly loss of jobs and the pensions crash has hit millions with a real re-think of their future needed.

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Property prices in the UK have slowed their fall and are set to level off at around 25% to 28% from 2007 values. The panic in the market seems to be over and most lenders, borrowers, media types and experts are coming to the concensus that late 2009 will see the bottoming out and 2010 will see the recovery machine going into operation.

How long will the low mortgage rates survive Gordons borrowing crisis? People enjoying a temporary bit of relief from their mortgage woes will want to know when this bubble will burst, budgeting has never been so hard-knowing what is going to happen in a years time rather than just saving every penny we have even though the savings rates are so low.

One group of people who have doing their bit for property sales in the UK are MPs. With MPs claiming millions for properties (some further away than their own, some never lived in at all) we are all paying for some better paid people to get themselves a start on their property empire. Personally I dont see why the government does not buy a block of flats somewhere and house them all there, although they would still find some way of ripping us off! Hazel Blears changed the home she claimd as her constituency home twice a year, claiming expenses on that property and selling it later without paying 40% capital gains tax. Assuming this is one of the common dodges how many MPs are using the property market to feather their nests?

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The media is mixed in its messages at the moment. Usually it is hyping one way or another, either doom and gloom or trying to be on trend with predictions for recovery (without sticking their necks out too much!). At the moment every publication seems to be predicting a different way or using their data differently, after the slight rise in average prices the UK experienced a drop last month. What can they all agree on?

Property prices will see a drop for around 6 months and then see a slow recovery.

Mortgage approvals have risen 4% last month and are expected to grow steadily.

First time buyers will have a larger percentage of sales.

Overseas and holiday homes will become more expensive. Tax relief on these properties has been cut for the first time since the Eighties.

The government has been sending out mixed messages as has the finance industry, what are you and me meant to think? Millions will certainly sit out the next year or two, those not able to do that will need to put more effort than ever into finding a bargain! House Price Spy lets you find out for free what properties are worth, when used with your won knowledge and intuition about the market.

After last months slight rise, the average property prices in the UK fell prompting the media to change their predictions of a full recovery to around 2012 rather than 2010 that had been voiced a few weeks ago. The slight rise in average price during March could have been just people who had to sell and had been waiting for developments, total sales are still falling faster than ever.

With swine flu taking up the media’s attention in the last week or so hopefully the doom and gloom machine will switch its attention to exotic diseases rather than filling the finance sector with fear. Having recently dealt with mortgage lenders they appear to be going to the other extreme (from their previous free lending) and are very reticent to lend these days and not trusted their own valuers! I had a valuation done, on the property I am buying, from a top company who were on the recommended list of the mortgage lender who had made me an offer, they subsequently withdrew the offer pending another valuation. This valuation wiped £20,000 off the valuation. Is this normal? Why have a recommended list, when the lender does not trust them?

The last thing we need is to have another valuation, the expense of £300 and the hastle! Is the last thing I need. Has anyone else had this experience? Is this the way mortgage lenders work these days, do they want the most gloomy valuation of any property?

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As you will be aware, Alistair Darling has announced his budget for 2009 with plenty of rhetoric about helping present and prospective property owners.

Raising the upper level of tax to 50% – These sort of tax hikes have a way of not happening, the people who earn £150 (Fred the Shred? ) have a way of getting out of paying tax, this is a salve to Old Labour, but not necessarily a money maker. If it was it would boost the economy of which ever tax haven is favoured these days….Virgin Islands, Switzerland or elsewhere. The money raised if any will be swallowed by by the huge black hole which is the UK National Debt, Gordon Brown was in charge of the purse strings while the UK borrowed vast sums and will now have to pay it back during the start of recession.

Payment holidays for mortgages – These have been around for a while and loads of people signed up for them and we are still having record repossessions… Many people would rather be paying less rather having a few months out just to be in the same position.

End of tax breaks for second/holiday home owners – Those renting their second properties will lose out by average £4,000. Is this a secret way of stimulating growth in the property market? These changes will be brough in in 2010 and will effect around 20% of people with second homes.

In the last few weeks I have been to view quite a few properties, and none of them were occupied and the same story was forthcoming from the estate agents, client had rented but had decided to sell and had lower price to sell. There has been no assistance given to ‘buy to rent’ owners in the budget.

If you did not like the Budget 2009 style then hold on for 2010 when the staggering borrowing the Labour Government did on our behalf in the last 10 years comes back to bite us big time….

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