Kensington Mortgages’ Post

'Dutch mortgages as popular as ever' Our Head of Portfolio Management Jasper Koops, CFA, CAIA took part in a Round Table on Mortgage Investments hosted by Financial Investigator. The result of that session is a lengthy article in the latest FI magazine. Below are the summarized conclusions, but we encourage you to read the full article (in Dutch, download pdf below). - Mortgages remain popular due to their high spread and low credit risks. - The hybrid nature of mortgages with both a matching component and a spread component is important, especially with the Wtp making it even more explicit. - Allocating returns will become an important factor in determining allocations, with many parties currently debating the issue. - The greater likelihood of outflows with a flexible contract and hence the greater need for liquidity will be a challenge. - The emphasis should be on the sustainability of the entire housing stock. It should be made as easy as possible for consumers, without too much friction between the E and S of ESG. - The lack of good and readily available data remains a problem in terms of being able to monitor ESG effectively. . . . #mortgagemarket #dutchmortgages #mortgages

Ok. We’re seriously impressed! 🤯👏 We just had a client’s application go from submission to unconditional approval in under 2 hours thanks to @nab’s newly streamlined assessment process! ⏱️ This is a huge improvement, and it means getting your home loan approved has never been faster or easier. If you’re ready to take the next step towards your dream home, we’ve got you covered with lightning-fast solutions like this! ⚡ Got questions about your own application? Let’s chat — we’re here to help make the process smooth and speedy! 🔑 🦁 #brisbanemortgagebroker #homeloans #mortgagebrokerbrisbane #mortgagebroker #homeloansaustralia #brisbaneproperty #brisbanerealestate #brisbane #firsthomebuyer #homebuying #creditscore #homeloanaustralia #mortgagebrokers #mortgagebrokersaustralia #mortgagebrokerau #homeloanspecialist #commerciallending #assetfinance #complexlending #manefinancial

🍀 A Growing Green Trend? Today one of our wonderful panel banks reminded us they're providing Cash Backs of up to $2,500 for mortgage borrowers where security properties meet certain environmental criteria. 🤔 Could these sorts of incentives (among others) motivate higher standards for environmental considerations in residential building? Is this a trend that could become more prominent over time? Contact Truly Finance find out more. Includes both loan refinances and new purchases, and of course conditions and timeframes apply. Truly Finance's mortgage broker advice, financial services and property strategies are generally complimentary. We do this for the best interests of our clients and we strive to be the best mortgage brokers! James M. Brett. Principal. Awarded Mortgage Broker ☎️ 0439 591 759 Victor Simone. Principal. Legend Mortgage Broker ☎️ 0449 659 029 Andrew O'Brien. Superstar Mortgage & Finance Broker ☎️ 0451 308 292 #GreenLoans #CashBack #TrulyFinance #Finance #Mortgages #HomeLoans #BestMortgageBrokers #MortgageBrokers Credit Representative Numbers 521733, 550284 & 550765 are authorised under Australian Credit Licence 389328

Did you know? 57% of major UK lenders are now onboard with Green Mortgages, signalling a remarkable shift towards sustainable home financing! 🏡💚 In this week's blog we explore how these eco-friendly options are reshaping the housing market. Beyond just financial products, they're a commitment to a greener, more sustainable future, offering homeowners a chance to make choices that benefit both their wallets and the world. Learn more about Green Mortgages and their role in shaping the environmental legacy we leave behind: https://buff.ly/4bxkn0D Source: Mortgage Introducer - More UK lenders offer green mortgages, research suggests YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Approved by The Openwork Partnership on 30/01/24 Status Mortgage Services is a trading style of Status Financial Services Limited (Company number 08983516) which is an appointed representative of the Openwork Partnership, a trading style of Openwork Limited which his authorised and regulated by the Financial Conduct Authority. #GreenMortgages #SustainableLiving #Greener2024

In an interview with Mortgage Solutions, Michael Taylor, Head of Retail Green Finance at Santander UK, has highlighted decarbonisation as the biggest challenge for the UK property sector: “This is absolutely the biggest challenge to UK housing in my lifetime. How do we decarbonise homes? I’ve not seen a challenge on a scale like this before”. Read more ➡️ https://lnkd.in/gjYGrHBE #propertynews #mortgagenews #greenfinance #greenmortgage #netzerohousing #propertydecarbonisation

Did you know? 57% of major UK lenders are now onboard with Green Mortgages, signalling a remarkable shift towards sustainable home financing! 🏡💚 In this month's newsletter we explore how these eco-friendly options are reshaping the housing market. Beyond just financial products, they're a commitment to a greener, more sustainable future, offering homeowners a chance to make choices that benefit both their wallets and the world. Learn more about Green Mortgages and their role in shaping the environmental legacy we leave behind: https://buff.ly/3SOjnhi Source: Mortgage Introducer - More UK lenders offer green mortgages, research suggests YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Approved by The Openwork Partnership on 30/01/24 West Midlands Mortgage Centre is a trading style of Centrad Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. #GreenMortgages #SustainableLiving #Greener2024

𝗜𝗻 𝘁𝗵𝗲 𝗹𝗮𝘁𝗲𝘀𝘁 𝗥𝗲𝘀𝗲𝗿𝘃𝗲 𝗕𝗮𝗻𝗸 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮 𝗺𝗲𝗲𝘁𝗶𝗻𝗴 𝘁𝗵𝗲𝘆 𝗱𝗲𝗰𝗶𝗱𝗲𝗱 𝘁𝗼 𝗸𝗲𝗲𝗽 𝘁𝗵𝗲 𝗰𝗮𝘀𝗵 𝗿𝗮𝘁𝗲 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 𝗮𝘁 𝟰.𝟯𝟱%. Mortgage holders may still feel the pressure, but here are some quick actions to ease the burden: ✦ 𝗥𝗲𝗻𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗲 𝗬𝗼𝘂𝗿 𝗟𝗼𝗮𝗻 𝗥𝗮𝘁𝗲 Talk to your bank about securing a better interest rate – especially if other lenders offer more competitive deals. ✦ 𝗦𝘄𝗶𝘁𝗰𝗵 𝘁𝗼 𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗢𝗻𝗹𝘆 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 Consider switching to interest-only payments to lower your monthly obligations and improve cash flow. ✦ 𝗥𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗬𝗼𝘂𝗿 𝗟𝗼𝗮𝗻 Refinancing can help secure a better interest rate and extend your loan term, resulting in lower and more manageable repayments. ✦ 𝗨𝘀𝗲 𝗢𝗳𝗳𝘀𝗲𝘁 𝗔𝗰𝗰𝗼𝘂𝗻𝘁 If you have a variable rate home loan, leverage an offset account. Your savings can reduce the interest on your mortgage. ✦ 𝗦𝗲𝗲𝗸 𝗣𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹 𝗚𝘂𝗶𝗱𝗮𝗻𝗰𝗲 Mortgage brokers and financial experts can help find tailored solutions to better manage your loans.   💡 𝗧𝗵𝗲 𝗢𝘂𝘁𝗹𝗼𝗼𝗸 Australia's major banks are divided on when rates will drop – some expect it by year-end, others predict 2025. ✅ 𝗧𝗲𝗮𝗺 𝗦𝗢𝗡𝗜 𝗖𝗮𝗻 𝗛𝗲𝗹𝗽 At SONI Wealth, we create bespoke strategies tailored to your financial goals. Book your no-obligation catch-up with our team today! #Mortgage #RBA #FinancialTips #HomeOwnership #SONIWealth

Despite the growing number of lender initiatives aimed at decarbonizing the UK's housing stock, retrofitting discussions to improve a home’s energy efficiency and lower borrowers’ bills still face several barriers such as the prohibitive cost of improvements and trying to find a tradesperson. Few thoughts on these hurdles in Mortgage Solutions. #EnergyEfficiency #Retrofitting #GreenHomes #SustainableLiving #MortgageBrokers #DecarbonizeUK #HomeImprovement #EPC #Sustainability #johncharcol https://lnkd.in/eQD9M-5t

57% of major UK lenders are now onboard with Green Mortgages, signalling a remarkable shift towards sustainable home financing! 🏡💚 In this month's newsletter we explore how these eco-friendly options are reshaping the housing market. Beyond just financial products, they're a commitment to a greener, more sustainable future, offering homeowners a chance to make choices that benefit both their wallets and the world. Learn more about Green Mortgages and their role in shaping the environmental legacy we leave behind: https://buff.ly/42VnSKo Source: Mortgage Introducer - More UK lenders offer green mortgages, research suggests #GreenMortgages #SustainableLiving #EnergyEfficiency Your home may be repossessed if you do not keep up repayments on your mortgage

57% of major UK lenders are now onboard with Green Mortgages, signalling a remarkable shift towards sustainable home financing! 🏡💚 In this month's newsletter we explore how these eco-friendly options are reshaping the housing market. Beyond just financial products, they're a commitment to a greener, more sustainable future, offering homeowners a chance to make choices that benefit both their wallets and the world. Learn more about Green Mortgages and their role in shaping the environmental legacy we leave behind: https://buff.ly/3OxobFe Source: Mortgage Introducer - More UK lenders offer green mortgages, research suggests #GreenMortgages #SustainableLiving #EnergyEfficiency Your home may be repossessed if you do not keep up repayments on your mortgage