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Secured personal loans look set to become even more attractive as credit card companies announce hikes in their credit rates.Already well above the cost of personal loans credit card companies look set to follow the lead of one high street bank which yesterday announced a one per cent rise in its rate. The Nationwide Building Society said it would increase the interest rates charged on all of the group’s credit cards by one per cent.Almost three quarters of a million existing credit card account holders, with the Classic, Cash Reward and Comic Relief cards will be affected.About 742,000 account holders and any new customers will see the card charges change from next March. Other providers, including Egg, the Royal Bank of Scotland, Marks & Spencer, IF and Cahoot have increased the rates payable on cards within the past four months.

The number of personal loans approved last month was down on the same period last year, according to the British Bankers Association (BBA). Figures from the BBA reveal that there were 157,000 personal loans approved in November, which was down 33 per cent on November 2003 and 13 per cent down on October.

The number of loans approved for house purchase was 20 per cent lower than October and 41 per cent lower than November 2003. Approvals for remortgaging were also weaker. “Weaker mortgage lending in November continued the pattern of reduced demand that we have seen over the second half of this year and there is little to suggest that mortgage appetites will change in the near-term, given the noticeable slow-down in the housing market,” said David Dooks, director of statistics at the BBA. “Overall consumer credit, despite a relatively weak rise in card borrowing, was stronger, following October’s weaker growth.”

The Mortgage Works has launched a two-year fixed rate buy-to-let mortgage with Mortgage Intelligence.Priced at a rate of 5.44 per cent, it is available with immediate effect to Mortgage Intelligence members. Commenting on the new deal, Paul Howard, of Portman Group, said the product “supported by our unique lending criteria, makes a compelling deal for all landlords”.

“We are delighted to be distributing the product exclusively via Mortgage Intelligence and are confident it will prove attractive with intermediaries and their clients,” he added.Sally Laker, managing director of Mortgage Intelligence, praised the new product, decribing it as “exactly what we need to kick start the New Year buy-to-let market”. “There has been a demand from our members for a two-year attractive fixed rate deal with no overhang and The Mortgage Works have priced this at a very attractive rate,” she continued.Mortgage Works is just one of a number of lenders that is refreshing its mortgage range for 2005, with the Skipton and Britannia also involved in the ‘January sales’.

Since Mayor of London Ken Livingstone established a target that 50 per cent of new homes in the capital should be affordable, the delivery of total new homes has exceeded the targets set out in his London Plan.The Mayor’s minimum target was 23,00 new affordable homes, but a thousand more than that have now been built - representing 104 per cent of the targetFurthermore many boroughs are meeting both their overall housing and affordability targets at the same time.Neale Coleman, the Mayor of London’s housing director, revealed the positive figures at the launch of the London Delivery Plan at the CBI in London.Mr Coleman said: “It has been argued, by those with vested interest in doing so, that the London Plan affordable housing requirements are holding back housing delivery.

However, the facts demonstrate the opposite is true. “Those boroughs that delivered the biggest increases in supply are also those most committed to affordable housing. He added: “This proven ability to deliver is a tribute to our partners from the public and private sectors as well as to the boroughs and, whilst many are meeting their targets, all 33 London boroughs need to up their game if we are to produce the required social housing and satisfy the desperate need for homes that are affordable to first time buyers.”

Consumers are wasting as much as £6.1 billion by opting for the finance deal that comes with the showroom car, says new research.consumer finance is subsequently urging consumers to shop around when working out how to finance their new car.Its figures are based on the calculation of all the 2.5 million new cars bought last year being financed with a showroom deal.

The site uncovered that people buying new motors when the registration changes on March 1st could be throwing away money by simply not investigating their options.”Our research shows that accepting the deal offered in car showrooms could be costing motorists a lot of money,” said the director of personal loans , Richard Mason.
“Purchasing a new car requires research and buyers also need to spend a little time looking at finance deals,” he added.The compared the finance deals offered by car showrooms with the best personal loans currently available, and found the latter option came out on top.
Some loan rates are still as low as seven per cent APR, compared with showroom rates which average around 15.1 per cent APR.

Bradford and Bingley has today reported a 6 per cent increase in profits for 2004. The mortgage provider puts the bulk of its improved performance down to strong activity in its core lending business. In a statement released on Tuesday, Bradford and Bingley reported pre-tax profits for the year ending December 31 2004 of £280.2 million, before exceptional items.That compares to £264 million for the preceding year.

The bank is also proposing a 4 per cent increase in its dividend, to 17.1 pence. The statement acknowledged that there has been an increase in arrears in the buy-to-let market, but Bradford and Bingley insisted that this was within its expectations. Although this trend is set to continue during 2005, the bank admitted, it predicts continued growth in the market.

New advice has been issued to protect people who plan to shop for Christmas presents online, using security systems offered by credit card providers Visa and master card.
The UK card payments association APACS has said that almost half of UK adults (21 million people) will shop for Christmas presents online this year.With this in mind the association has pointed consumers to the online security systems offered by MasterCard and Visa.”Cardholders can minimise their chances of suffering from online fraud this Christmas by registering for Verified by Visa or MasterCard SecureCode,” said Katy Worobec, head of risk management at APACS. “By participating, they can add to the combined fight against online fraud and shop online with safety.”Both systems offer cardholders the chance to register for a password, which does not appear on the card, so they can verify their identity when they make a purchase.

Most internet card fraud happens after cards or card details are stolen in the real world and then used by criminals online, APACS points out.

Consumers will be able to enter into credit agreements including home loans online, consumer minister Gerry Sutcliffe has announced.Currently members of the public can only use the internet to apply for credit, they then have to sign a hard copy of the agreement.

However, from December 31 anyone who wishes to enter into an agreement online can do so as the entire process will be able to be carried out electronically.Mr Sutcliffe said: “We are undertaking the biggest shake-up of the consumer credit market for 30 years, making it relevant for today’s market.Enabling consumers to complete credit agreements from the comfort of their own homes is a key part of this modernisation process.”This new rule will improve consumer choice without removing any consumer protection, and save business time and resources.”Customers who do enter into a credit agreement will also have a 14 day ‘cooling off’ period in which they can cancel the agreement should they change their mind.

House prices fell 0.4 per cent in November and are predicted to fall two per cent next year, Halifax has said today.Since July the average house price has fallen 0.9 per cent, to £159,947 - however this is still 16.8 per cent higher than the average price at the same time last year.The housing market continues to slow with an easing in the annual rate of house price inflation from a peak of 22.1 per cent in July to 16.8 per cent in November,” said Martin Ellis, Halifax chief economist.But the small drop in house prices in November was seen by the bank as more evidence that the property market will not crash.”Last month’s modest fall was smaller than the declines in August and October, suggesting that a measured slowdown may be underway,” said Mr Ellis.”The fundamentals underpinning the housing market remain sound. In particular, the ongoing strength of the labour market, reflected in rising employment levels, will continue to support housing demand,” he added.But, a survey by Assertahome.com found house hunters expect house prices to fall by up to nine per cent over the next 12 months.The research found that prospective buyers expect prices to fall to an average of £141,800 by November 2005, blaming the current high level of property prices and personal debt.

Managing director of Assertahome.com, Jim Buckle, argued: “With expectations for the future of the housing market so weak and the wider economy also showing signs of slowdown, there is no justification for interest rates to remain at 4.75 per cent.”While Halifax believes prices will only fall two per cent, it does see heavy regional variation in house prices next year.

More than two-thirds of Brits live in rented homes at some point in their lives, new research has found. According to a survey by buy-to-let lender Paragon Mortgages, 68 per of the British population have lived in rented accommodation, occupying rented homes for an average of 11.6 years. John Heron, managing director of Paragon Mortgages, commented: “This demonstrates that renting is not a minority practice but rather one that most people do at some point in their lives, and in many cases for long periods of time.

“Over a third of people have lived in rented accommodation for more than five years, and 21 per cent for more than 10 years.”The survey also found that, despite the well-known difficulties encountered in getting onto the property ladder, the age at which people first move out of the family home has fallen slightly over the generations. “What is clear is that young people’s desire to escape the family home and establish themselves in independent households at an early age is getting stronger,” Mr Heron said.”People are leaving the family home at a younger age than they used to, and increasingly young people move into rented accommodation.”