Sunday, 22 January 2012

New builds Christchurch

 

Anthony Williams Construction Ltd

Are you on the appearance for a cost-effective yet reliable property maintenance services to keep your residence in good shape? No other company beats Anthony Williams Construction Ltd. new builds Christchurch At Anthony Williams Construction Ltd, our service is designed to be cost effective and at the same time of top quality so you can be assured to get only the best value for your time and cash.

Anthony Williams Construction Ltd



Trade News selected by Local Linkup on 22/01/2012

 

Dewsbury property maintenance

 

211 Solutions

Property maintenance solution? Make contact with 211 Solutions straight away. is here to give you the highest quality service you could ever have. Dewsbury property maintenance We are here to give you the very best quality service. Phone us, we'll take care of your properties maintenance needs and requirements for you.

211 Solutions



Trade News selected by Local Linkup on 22/01/2012

 

Property maintenance Sunderland

 

D S Miller Joinery And Property Maintenance

Need a company to take care of your properties and keep them in good shape? Get in touch with D S Miller Joinery And Property Maintenance and you are rest assured to be in good hands. property maintenance Sunderland We cater to a selection of clients in the whole Durham.

D S Miller Joinery And Property Maintenance



Trade News selected by Local Linkup on 22/01/2012

 

Brighton solar panels

 

Brooks Construction

Have you got several properties to take care of? Is it taking too much of your time? Brooks Construction can really help. Brighton solar panels We provide a broad variety of tailored property maintenance solutions to customers in the Portsmouth area. Our staff of professionals have the necessary skills and are more than able to take care of your house. Phone us for additional information.

Brooks Construction



Trade News selected by Local Linkup on 22/01/2012

 

Plasterers in Leeds

 

AP Plastering

Whatever requirements you may have with the home, AP Plastering is always willing to give a hand. plasterers in Leeds We have dedicated and friendly professionals to offer our customers the best property maintenance solutions they deserve to have.

AP Plastering



Trade News selected by Local Linkup on 22/01/2012

 

Saturday, 21 January 2012

Damp proofing Grimsby

 

Expert Property Maintenance

How much experience do you have with property maintenance and repairs? If you can't do it yourself, Expert Property Maintenance can do all the home maintenance for you. damp proofing Grimsby

Expert Property Maintenance



Trade News selected by Local Linkup on 21/01/2012

 

Wallingford general builders

 

Eagle Plastering

Wallingford general builders Eagle Plastering is a Ipsden based company providing top quality and affordable property maintenance solutions to a diverse range of clients. We focus on technical excellence and customer service making sure that quality and on time delivery. Give us a call, we're very happy to answer all your questions.

Eagle Plastering



Trade News selected by Local Linkup on 21/01/2012

 

Manchester handyman

 

Dynamic DIY

Do you would like the best company to keep the property in spotless condition? Dynamic DIY is the best choice! Manchester handyman At Dynamic DIY, we keep all our customers updated on all jobs we complete at their properties. Contact us anytime to discuss with us your needs.

Dynamic DIY



Trade News selected by Local Linkup on 21/01/2012

 

Garden landscaping Acton

 

RG Contractor Ltd

Are you unable to maintain the property and keep it in good shape? RG Contractor Ltd

Are you in search of a reliable company to aid you maintain the property? Call RG Contractor Ltd today to discuss your requirements. garden landscaping Acton We offer friendly and effective property maintenance service giving you great results and excellent value for your money. We are excited to be of service to you.

RG Contractor Ltd



Trade News selected by Local Linkup on 21/01/2012

 

Milton Keynes painting and decorating services

 

MTS Property

Do you need those odd jobs doing around the home but dont have the time? MTS Property can cover that for you. Milton Keynes painting and decorating services We understand how busy your schedule can be and we're here to make things easier for you. Keep your maintained, have MTS Property can take care of those jobs for you.

MTS Property



Trade News selected by Local Linkup on 21/01/2012

 

Driveways Leighton Buzzard

 

Bedfordshire Property Refurbishments

Looking for a home maintenance company in Flitwick? Look no further, Bedfordshire Property Refurbishments is now here. We are confident we will competently meet all your needs. driveways Leighton Buzzard Don't take your home for granted. With Bedfordshire Property Refurbishments, your house is

Bedfordshire Property Refurbishments



Trade News selected by Local Linkup on 21/01/2012

 

Rainham carpenter

 

DNT Decorating Services

The further you live from the home, the higher your travel time and expenses will be. In case you are in such situation, DNT Decorating Services will make things easier for you. Rainham carpenter We are here to help you clients with property maintenance solutions. For further details, please give us a call or visit our web profile. We look forward to speak with you.

DNT Decorating Services



Trade News selected by Local Linkup on 21/01/2012

 

Leeds damp proofing companies

 

Workvilla

If you want to visit your house more oftern, but dont have the time , Workvilla has you covered. Leeds damp proofing companies With Workvilla, your can have peace of mind knowing your home is in good hands.

Workvilla



Trade News selected by Local Linkup on 21/01/2012

 

Swindon painter and decorator

 

Splash Of Colour

Make sure your most valued property is safe and secured. Get the help of Splash Of Colour before it's too late. Swindon painter and decorator At Splash Of Colour, we guarantee your property is in good hands.

Splash Of Colour



Trade News selected by Local Linkup on 21/01/2012

 

Loft conversions in Dartford

 

Bulldog Home Improvements

loft conversions in Dartford At Bulldog Home Improvements, we can assist you keep your house absolutely clean and in need of minimal repairs. Our team of trustworthy and reliable professionals ensure all client's concerns are addressed to the highest of standards possible. Want to discuss with us your home maintenance requirements? phone us anytime.

Bulldog Home Improvements



Trade News selected by Local Linkup on 21/01/2012

 

Friday, 20 January 2012

Plumbing services in Bedford

 

S & G Refurbishment and Maintenance

It is vital to keep your dwelling in best condition. If you can't maintain it yourself, have S & G Refurbishment and Maintenance do it for you. plumbing services in Bedford We can assist you keep the property well maintained and in good shape at a very reasonable price. Our service is designed to be reliable and cost effective all of the time.

S & G Refurbishment and Maintenance



Trade News selected by Local Linkup on 20/01/2012

 

Windows doors in St Albans

 

MM Property Maintenance

Make sure your property is in good hands, have a professional property maintenance company assist you. MM Property Maintenance is the very best company to call in St Albans area. windows doors in St Albans At MM Property Maintenance, your complete and total satisfaction is our guarantee.

MM Property Maintenance



Trade News selected by Local Linkup on 20/01/2012

 

Builder Newbury

 

Pinnacle

Do you have an all in addition property that is too far away from the place you live? Are you sure you're giving the proper maintenance it needs? At Pinnacle, you never have to worry anymore. builder Newbury We can assist you raise the value of your house investment. Give us a call to find out how.

Pinnacle



Trade News selected by Local Linkup on 20/01/2012

 

Wood flooring installers Milton Keynes

 

R and M Property Services

Give your property the proper care and attention it needs. Want to know how? R and M Property Services is the answer. wood flooring installers Milton Keynes As an expert property maintenance company covering the whole Milton Keynes and beyond, we promise to give you only the best service our clients deserves.

R and M Property Services



Trade News selected by Local Linkup on 20/01/2012

 

Kitchen fitters in Southport

 

NJA Services

Whatever property maintenance requirements you currently have, NJA Services is here to provide our customers with the most satisfying service you desire. kitchen fitters in Southport At NJA Services, you can have peace of mind as we will keep you fully informed with information on progress being made in your property. Phone us, we'd be pleased to serve you.

NJA Services



Trade News selected by Local Linkup on 20/01/2012

 

West Bridgford plasterers

 

One Ca11

Whether you live near or far away from your property, keeping it well maintained can really be a difficult task. Now, you don't need to worry, One Ca11 can have you covered. West Bridgford plasterers At One Ca11, our team of dependable and highly experienced professionals make sure every client is given an exceptional property maintenance service they truly deserve. Call us right now, we look forward to discussing with you the home maintenance needs.

One Ca11



Trade News selected by Local Linkup on 20/01/2012

 

Chelmsford bathroom fitter

 

County Interiors

Do you own a house that you do not reside at? Make sure it's property maintained even when you're away. Here at County Interiors, you can be rest assured that your property will have the maintenance service it needs. Chelmsford bathroom fitter We are an expert property maintenance company offering comprehensive and reliable services to a selection of customers in and around Romford. phone us today to find out more of what we offer.

County Interiors



Trade News selected by Local Linkup on 20/01/2012

 

Chesterfield loft conversions

 

RG Property Services

At RG Property Services, we always see to it that our customers are pleased and satisfied with the results of their project. Most of our new clients are referrals from our existing clients. It is always our pleasure to see our customers happy. We'd love to hear from you.

RG Property Services



Trade News selected by Local Linkup on 20/01/2012

 

Property maintenance services St Austell

 

AD Property Services

property maintenance services St Austell AD Property Services promises to continue providing excellent service with great results in the house maintenance field. Our growing number of clients is a result of the advanced level of service we give to our customers in St Austell.

AD Property Services



Trade News selected by Local Linkup on 20/01/2012

 

Property repairs in Manchester

 

Finer Homes Property Repair and Maintenance Ltd

Look for a trustworthy and reputable company to take care of your property maintenance requirements. For customers in or near Oldham, only Finer Homes Property Repair and Maintenance Ltd can give you what you need. property repairs in Manchester We are a trustworthy and reputable company in the house maintenance industry. Our quality workmanship gives way for us to have a growing list of satisfied clients and we'll continue to live up to our commitment of striving for excellence.

Finer Homes Property Repair and Maintenance Ltd



Trade News selected by Local Linkup on 20/01/2012

 

Tuesday, 10 January 2012

Abu Dhabi May Aid More Builders After $9.8 Billion Bailout

 

Local Link Up - Contentys Ltd

(Updates with share performances in 15th paragraph.)

Jan. 10 -- Abu Dhabi, the oil-rich sheikhdom that spent 36 billion dirhams ($9.8 billion) bailing out its biggest developer in 2011, will probably reach for its checkbook again as property companies in the United Arab Emirates face a stalled market and deadlines to repay debt.

"It's fair to think of Abu Dhabi as a backstop in a worst- case scenario, because a big default would be too tough of an option now and would damage confidence," said Saud Masud, an analyst at Dubai-based Rasmala Investment Bank Ltd. "A real- estate recovery could take a long time, even if the bottom was hit in the next 12 months."

Abu Dhabi, holder of 7 percent of the world's proven oil reserves, contributed to a $20 billion financial rescue of neighboring Dubai in 2009 and bailed out developer Aldar PJSC twice last year. While the sheikhdom's cash can help property companies stay solvent, many will struggle to revive profit as Dubai's real-estate slump stretches into its fourth year and Abu Dhabi puts large parts of its redevelopment plan on hold.

The companies most likely to need state help will be developers that relied on selling properties before they were built to fund construction, which is most of them, according to Arqaam Capital analyst Mohammad Kamal. Businesses with the very best prospects are those with contracts in Saudi Arabia, Qatar and Kuwait, he said.

Real-estate values have fallen more than 60 percent in Dubai and 45 percent in Abu Dhabi from 2008 peaks after the global credit crisis caused banks to curtail lending and speculators left the market. Developers completing contracts are supplying thousands of homes and offices at a time when demand is dropping.

No Improvement Seen

"The trump card over the next 12 months will be the incoming supply in both Dubai and Abu Dhabi," Kamal said in an interview. "If that gets delivered, we see no improvement for the price or rental scenarios in either market without a resumption of macroeconomic growth, job creation and mortgage lending."

Both Dubai and Abu Dhabi have been striving to become less dependent on oil revenue by developing homes, hotels, offices and tourist attractions through a combination of state-owned and publicly traded companies that raised funds from investors, international debt markets and buyers prepaying for homes. Abu Dhabi and the U.A.E. federal government increased their financing role after the credit crisis caused lending in the region to dry up.

Abu Dhabi has a track record of keeping companies afloat and a big default would be "difficult to show the world," said Hans Zayed, head of research at Rasmala. "Anything that hinges on real estate faces difficulty at the moment."

Past Support

Moody's Investors Service highlighted Abu Dhabi's record of support in Dubai and said the emirate is likely to continue backing its neighbor by rolling over the Dubai Financial Support Fund due to mature in 2014, according to a Dec. 5 note. Moody's expressed concern about the timeliness of further aid after a Nakheel Islamic bond was repaid at the last minute following the 2009 bailout.

U.A.E. developers face debt-repayment deadlines this year. Aldar has 2.2 billion dirhams due and Nakheel PJSC, builder of Dubai's palm-shaped islands, needs to repay 5.8 billion dirhams. Union Properties PJSC has 429 million dirhams maturing this year, according to data compiled by Bloomberg. Abu Dhabi's $4.6 billion bailout of Aldar on Dec. 29, the second of the year, helped ease concerns about the company's borrowings, Moody's said in a note that day.

Debt Deadlines

Dubai Holding Commercial Operations Group LLC has $500 million of debt maturing in 2012, Moody's said. The company's Dubai Properties Group unit suspended construction on a Tiger Woods-designed golf resort last year, citing a unfavorable luxury property market.

For Aldar, a return to profit wasn't enough to avert a bailout as a debt deadline loomed. The company in November reported third-quarter profit of 144 million dirhams compared with a year-earlier loss of 731 million dirhams.

"In Aldar's case, there was a clear need for debt relief and a liquidity injection," Kamal said. "In other cases, the government backing has been less direct but equally supportive."

One example is a decision by Abu Dhabi's Urban Planning Council to award contracts for 7,500 homes, he said. Sorouh Real Estate, the emirate's second-largest developer, along with smaller private builders such as Tamouh Investments, Royal Development Co. and Al Qudra Real Estate received contracts totaling 13.5 billion dirhams.

Stocks Slide

Aldar was the third-worst performing stock in the 65-member Bloomberg EMEA Real Estate Index over the last 12 months with a 65 percent drop. Sorouh was seventh from the bottom after falling 54 percent.

Aldar, 18.9 percent owned by Abu Dhabi before the bailouts, is a special case because the company carried out much of the government's infrastructure work and built tourist attractions, Rasmala's Zayed said. "If there are other bailouts, I don't see anything on the scale of Aldar," he said.

Emaar Properties PJSC, Dubai's biggest developer, reported a 34 percent decline in third-quarter net income as apartment sales dropped by 86 percent. Nakheel reported first-half profit of 526 million dirhams in December without giving comparative figures. The company, which received $8.6 billion after Abu Dhabi bailed out Dubai, wrote down the valuation of properties by 78.6 billion dirhams since 2008.

Abu Dhabi is not only helping developers. Investment arm Mubadala Development Co. agreed in March to provide 3.1 billion dirhams to National Central Cooling Co., an air conditioning company known as Tabreed, as part of a recapitalization.

Master Plan

Abu Dhabi, the richest and largest of the seven emirates that make up the U.A.E., plans to invest $500 billion in industry, tourism and culture to increase non-oil revenue to 64 percent of the economy from an average of 41 percent from 2005 to 2007. In 2005, the sheikhdom opened its property market to foreign buyers and began building homes, offices, malls, hotels and tourist attractions on Saadiyat Island, Yas Island, Al Reem Island, Al Raha Beach and the city center.

Since the global credit crunch, U.A.E. developers suspended or canceled around $500 billion worth of projects, twice as much as in the other five Gulf Cooperation Council countries, Arqaam's Kamal estimates. In Abu Dhabi, developments valued at about $30 billion have been put on hold, including branches of the Louvre and Guggenheim museums, the MGM Grand Abu Dhabi hotel and the zero-carbon headquarters of renewable energy company Masdar.

'Back to Health'

"The emphasis right now seems to be on addressing financial problems at entities and nursing them back to health," said Giyas Gokkent, group chief economist at National Bank of Abu Dhabi PJSC.

Kamal said residential values are likely to drop another 10 percent to 15 percent as 20,000 homes are carried out in Abu Dhabi and another 25,000 in Dubai. He said a similar number of properties is scheduled for completion in both markets in 2013.

Although Abu Dhabi's government hasn't announced any changes to its development blueprint, called Vision 2030, since it was first published in 2008, a substantial proportion of the projects expected under the plan are now on hold while a review of their economic viability is underway, Kamal said.

"The 2030 plan will go ahead by and large, but within that there will be a refocus," Gokkent said. "The fundamental question is the profitability of various entities and whether it makes sense to go into a particular activity."

Reviving the Plan

The plan foresees the population growing to as much as 5 million by 2030 from an estimated 1.6 million in 2008. The government may revive a number of the suspended projects if it considers them essential in the long term. Profitability might not be the only factor in deciding whether to restart work.

"Some projects will probably never make any money but are deemed important for Abu Dhabi to attract investment or to diversify the economy," Zayed said. "In Dubai, building the palm was never going to be economically viable, but it did put Dubai on the map and helped it attract investments."

Abu Dhabi's Urban Planning Council didn't reply to questions on whether the 2030 plan is on track when contacted by Bloomberg. Calls and e-mails to Abu Dhabi's Department of Finance weren't returned.

"Projects that are real estate related or those deemed not an immediate priority may be phased in over time, given that this can be a long-term plan," Gokkent said.

Local Link Up - Contentys Ltd



Trade News selected by Local Linkup on 10/01/2012

 

Loud & Clear

 

Local Link Up - Contentys Ltd

Brokers have welcomed moves in the FSA's latest MMR paper to ban non-advised sales and demand greater clarity over lenders' provision of advice to consumers

It took its time but the final consultation paper for the Mortgage Market Review came as an early Christmas present for the industry.

Bridging has been under the spotlight for the last six months and it is little wonder that the FSA has sought to take action.

The primary reason is the difficulty in assessing capital compliance costs for lenders, which will be everything from £16m a year to a whopping £126. One area where the FSA is clearer is the cost to itself, which it estimates to be negligible with no range.

It's not only mortgage firms who is able to feel the impact of this huge piece of regulation but prospective homeowners too.

The FSA is predicting the new rules would have prevented 17% of all mortgages in the boom.

Easy credit was also a major factor behind booming house prices in the last decade so the FSA estimates that by 2022, homes will be 11% cheaper than they would have been without the MMR rules.

The economy too may be affected, with GDP as much as 0.

The consequences are huge for mortgages, housing and the economy, that will naturally affect the broker market.

Days after Nicoll's speech the FSA fined non-advised mortgage seller Fastmoney £28,000 for failing to ensure that clients who took out bridging loans were treated fairly.

"We are certainly not advocating lending to individuals without any income," he says.

It is high praise indeed for a regulator that has often been accused of unfairly attacking the broker market.

There were other causes for optimism as the plan to scrap the Key Facts Illustration was abandoned and the Initial Disclosure Document consigned to the dustbin.

There is also now no need for a separate KFI for direct-only deals but brokers will need to provide a KFI for every different product they offer, if a KFI is specifically requested or for execution-only deals.

Income verification will be required for all mortgages so it will be a different beast post-MMR.

The MMR states that systems are already in place to deal with evidence passed from brokers from non fast-track business.

"It does not appear to be overly onerous to propose that this happens for all applications, given the benefits that would be achieved," it says.

Applicants will be ready to pass pay slips and bank statements through their brokers, and lenders will be ready to use existing customer data, such as current accounts, to verify income.

"So I don't think simply handing over the verified income documents to the lender will have much impact," says Strutt.

The FSA is still demanding human intervention in income verification, however, which means self-cert is dead and buried.

Lender responsibility has been a key feature of the whole of the MMR, particularly their value for money assessments.

But Charles Haresnape, managing director of residential mortgages at Aldermore, believes brokers should still have a role in checking affordability.

Buying an exemption

Another niche area given special treatment is high net worth clients who received a series of exemptions from the MMR.

Notably, high net worth clients will be exempt from mortgage rules and are set to be defined as those earning £1m or holding assets of no less than £3m.

It seems that high net worth clients will be treated more like commercial mortgages without the added protection of consumer deals.

Boulger says much of the MMR debate will address who is allowed to opt out of aspects of the rules.

The Council of Mortgage Lenders says it is too early to make an entire assessment but warns that any moves must not create barriers to lenders offering mortgages.

"One of the potential advantage of having all advised sales is that consumers might have greater clarity over what service they are being given," says a CML spokesman.

Lenders can now set their lending policies with greater confidence and there is hope that those who rushed to implement policies that have since been dropped may think again.

Lenders had already begun to act upon rules applying to interest-only changes, the 25-year-term value for money assessment and mortgages for the over 75s.

Boulger believes the increase in clarity means lenders could relax their criteria slightly in these places.

"Lenders have claimed they are under FSA pressure to make changes but when we ask the regulator, it says there's no pressure," he says.

"Noticeably, Woolwich has been assessing value for money on 25-year terms but that is no longer a proposal in the MMR so it will be interesting to see what it does.

"Lenders cannot hide behind the regulator as an excuse any more for a few of their lending policies.

So there is much to be pleased about, with some brokers positively crowing about the move to ban non-advised sales.

It's a positive development in a dour market and evokes Mark Twain's famous comment upon reading reports that he had died.

"Rumours of my death are greatly exaggerated," he quipped.

Then and Now: What has changed?

The FSA has changed its stance on a number of key MMR issues.

But lenders are cautious over how the plans will affect their sales processes, claiming it is too soon to make predictions.

Andrew Baddeley-Chappell, head of mortgage strategy and policy at Nationwide, says it undertakes both advised and non-advised sales through its branches but the difference between the two can be relatively small.

"Given that the MMR will be making wider changes to the whole sales process, it is still too early to assess the overall impact of the changes that are proposed," he says.

"Mortgage clients along with their requirements vary greatly and it is still to be tested whether the proposed regime will adequately and efficiently accommodate the full range of mortgage transactions - including those looking for the very best deal for existing borrowings.

Halifax offers both advised and non-advised sales in its branch network and customers decide which to use at the start of their mortgage appointment.

"However, given that the significant majority of our advisers are qualified to offer both, we do not expect to make any significant changes to our sales process," she adds.

While these lenders claim there is little extra cost, the ban on non-advised sales is one of the most significant areas for lenders.

Considering the backlash to a European proposal to make advice compulsory and force mortgage sellers to supply a range of products, one would expect lenders to lobby against theses changes.

Fast-track is dead - long live fast-track

Another seemingly positive move for brokers is the survival of fast-track - albeit under a radically different guise.

This is surely tacit recognition of the important role of mortgage advisers, and brokers in particular, in creating a safer market.

"The FSA is doing this as a result of concerns that a large majority of customers who go direct believe they have received advice when they haven't," he adds.

"It can be a problem that the FSA has struggled to resolve because mortgage sellers must ask questions to provide an appropriate product but that leaves clients believing they have had advice.

This gets to the heart of why many believe we won't see a trend of lenders choosing to go direct as opposed to via brokers.

"It may make lenders value brokers more highly," he says.

"Lenders will need to consider the costs of getting their branches up to scratch. ".

In its cost benefit analysis the FSA predicts the MMR will accelerate the trend of consumers moving away from brokers.

This is bleak reading for the sector, so why have all mortgage trade bodies and the industry been so welcoming of the latest paper?

No advice, no mortgage

One theory put forward by industry insiders is that the impact assessment for direct deals was undertaken before the FSA finalised its rules on non-advised sales.

"Crown is witnessing first-hand the impact on borrowers who took out interest-only loans without a suitable repayment vehicle or strategy in place," she says.

"Some of these are reaching the end of their mortgage term and for many, there's no alternative to the loss of their home.

Nigel Stockton, financial services director at Countrywide, says the MMR had to review interest-only.

"I was delighted to see the recommendations for interest-only mortgages. This is entirely right for individuals who have interesting tax positions and some high net worth clients.

A bridge too far?

Other niche areas affected include bridging, which saw wide-ranging changes to the industry.

"The proposals for high net worth customers on interest-only also make perfect sense.

Always look on the bright side of life

Some in the industry have been frustrated by the fact that there is no mention of individual registration in the paper.

Assigning all brokers a number would have helped to make sure that rogue brokers had no place to hide.

"It is disappointing that a concrete timetable for individual registration was not announced, but the FSA says this remains on its radar, so hopefully we'll hear some news soon," says Paul Shearman, proposition director at Openwork.

But overall, there's no getting away from the fact that these concerns seem minor compared to the huge positive of the FSA moving to wholeheartedly support advice.

Initially the FSA appeared to ban interest-only altogether in its responsible lending reform but now it is allowing it to continue so long as a repayment vehicle is in place.

Jane Manning, head of compliance at Crown Mortgage Management, says it is a return to the lending practices of a decade ago.

The European mortgage directive also pledged to regulate all bridging loans when it was published last March.

"High net worth clients are usually intelligent people but they are not experts in the mortgage market and their cases are usually complicated so they use brokers," he says.

High net worth broker Enness Private Clients supports the exemptions but believes the definition is too high.

Hugh Wade-Jones, director of Enness Private Clients, says that given the nature of many high net worth individuals' income and assets, it is right to treat them separately.

"But if we have somebody who, under normal mortgage rules, has a non-standard income, yet can put down five years' worth of mortgage payments on account on day one, we feel they should be viewed as just as secure a lending prospect as someone who is borrowing on the back of their income alone.

The regulator officially binned the idea of all mortgages being assessed on 25-year terms, having revealed the plan earlier last year.

Known Unknowns

Despite the new detail in the 700-page report there remain, to paraphrase former US defence secretary Donald Rumsfeld, many known unknowns, particularly over the costs to the industry and the role of European regulation.

The FSA estimates that overall the changes could cost the industry up to £170m a year on top of an initial one off bill of £65m.

Local Link Up - Contentys Ltd



Trade News selected by Local Linkup on 10/01/2012

 

Wednesday, 4 January 2012

Grimsby site clearance

 

Expert Property Maintenance

Get property maintenance services and advice from our highly trained experts, call Expert Property Maintenance now for your house maintenance solutions. We are committed to bring the best quality of workmanship in a timely and professional manner. Grimsby site clearance

Expert Property Maintenance



Trade News selected by Local Linkup on 04/01/2012

 

Kidlington bathroom fitter

 

Mark Eagle Plastering

Kidlington bathroom fitter Mark Eagle Plastering is familiar with the many property maintenance jobs that need attention and that's what we're here for. We aim to give assistance by providing complete and comprehensive property maintenance services to clients in the Ipsden area.

Mark Eagle Plastering



Trade News selected by Local Linkup on 04/01/2012

 

Brentford building contractor

 

RG Contractor Ltd

Need a company to take care of your home maintenance? Make contact with RG Contractor Ltd and you are assured of being in good hands. RG Contractor Ltd caters for the various types of clients all throughout Ealing. We perform all property maintenance related services including: Brentford building contractor - Driveway contractors Acton - Kitchen design and installation in Acton - Brentford gas safe plumber - Building contractor Chiswick - Building company in Acton We're more than happy to serve you.

RG Contractor Ltd



Trade News selected by Local Linkup on 04/01/2012

 

Newport Pagnell renovations

 

R and M Property Services

R and M Property Services provides tailored property maintenance work to our clients across the Milton Keynes area. Interested? Call us now, our highly qualified staff are more than able to take care of your property maintenance needs. Newport Pagnell renovations

R and M Property Services



Trade News selected by Local Linkup on 04/01/2012

 

Cheap plumbers in Milton Keynes

 

MTS Property

Whatever the property maintenance needs, MTS Property is always here to help you. At MTS Property, all our property maintenance work is completed to the very highest standards. Our friendly and highly experienced contractors work closely with all our clients to make sure that all demands are met and expectations and exceeded. cheap plumbers in Milton Keynes

MTS Property



Trade News selected by Local Linkup on 04/01/2012

 

Tuesday, 3 January 2012

Southport bathroom fitters

 

NJA Services

Southport bathroom fitters NJA Services is always here in order to satisfy all the home maintenance needs - Property repairs Ormskirk - Bathroom fitters in Southport - Bathroom fitter Southport - Flagging in Southport - Ormskirk property maintenance services Contact us or visit our Plink profile if you require our assistance. We promise we won't let you down, we'll give you the quality result you truly deserve.

NJA Services



Trade News selected by Local Linkup on 03/01/2012

 

House extension in Bletchley

 

Trio Property Maintenance

Want to have the property properly maintained but too afraid to go overbudget? Stop worrying about the cost. Here at Trio Property Maintenance, we make sure our clients are aware about the costs and expenses before we go ahead with any project. house extension in Bletchley Our services are designed to address individual needs and suit any budget at all times. What more could you ask for? Phone us today.

Trio Property Maintenance



Trade News selected by Local Linkup on 03/01/2012

 

Bathroom installation in Romsey

 

AJC Property Services

Keep the home protected and well-maintained, contact AJC Property Services to take care of it. We are a well known local company offering property maintenance, repairs and improvements throughout Southampton. bathroom installation in Romsey We offer the most affordable property maintenance service in town. To find out more about our rates and an entire list of our services, we are only one call away.

AJC Property Services



Trade News selected by Local Linkup on 03/01/2012

 

Elm Park property refurbishment

 

DNT Decorating Services

For all the property maintenance requirements, it is very important to choose a company that you can trust and rely on. DNT Decorating Services is the perfect choice for clients in Rainham and beyond. Elm Park property refurbishment Choosing DNT Decorating Services ensures the property and your business are in safe hands. Contact us anytime, we are always available to serve you.

DNT Decorating Services



Trade News selected by Local Linkup on 03/01/2012

 

Carpet fitters in Hitchin

 

Bedfordshire Property Refurbishments

carpet fitters in Hitchin Bedfordshire Property Refurbishments has all you require to keep your property in good condition. From routine cleaning and care to emergency repairs, all these services and more are available at Bedfordshire Property Refurbishments. All our services are carried out by our experienced professionals so you can be assured to get the highest quality service you deserve. We are content to be of service to you, please call us if you require our assistance.

Bedfordshire Property Refurbishments



Trade News selected by Local Linkup on 03/01/2012

 

Pat testers in Huntingdon

 

S & G Refurbishment and Maintenance

Getting skilled personnel for a single task can be expensive as well. Here at S & G Refurbishment and Maintenance, we have everything you require to keep your home well maintained. pat testers in Huntingdon From carpenters to roofers to plumbers, you name it we have it. all of our staff are carefully selected and fully qualified to make sure that satisfaction of customers. Call us today for any property maintenance you need and we'll be happy to be of service to you.

S & G Refurbishment and Maintenance



Trade News selected by Local Linkup on 03/01/2012

 

St Austell fitted kitchens

 

AD Property Services

Whether you need a regular maintenance or a single service to repair a specific problem in your house, AD Property Services can address to all the home issues. St Austell fitted kitchens AD Property Services provides a comprehensive and cost-effective property and facility maintenance service both to commercial and residential sectors in St Austell and beyond. Phone us For additional information.

AD Property Services



Trade News selected by Local Linkup on 03/01/2012

 

Flooring specialists in Leeds

 

Workvilla

Keep your house well maintained to get higher quality tenants. Workvilla understands how busy you are and we're here to help you in the maintenance of your home. flooring specialists in Leeds For any enquiries about any of our services, please do contact us or visit our profile.

Workvilla



Trade News selected by Local Linkup on 03/01/2012

 

Soffits in Swindon

 

Splash Of Colour

soffits in Swindon Save a great deal of your time Searching for a reliable carpenter, plumber or electrician; at Splash Of Colour, we've got them all for you. We supply a timely and efficient property maintenance service to customers throughout Devizes. Call us to discuss your needs.

Splash Of Colour



Trade News selected by Local Linkup on 03/01/2012

 

Conservatory extension Bromley

 

Bulldog Home Improvements

From regular maintenance to repairs, Bulldog Home Improvements is always at your service. With our highly qualified professionals, you can be positive to get the home maintenance service you truly deserve. conservatory extension Bromley With Bulldog Home Improvements, you don't have to worry about your home anymore, we'll have everything covered for you.

Bulldog Home Improvements



Trade News selected by Local Linkup on 03/01/2012

 

Roofing repairs in Oldham

 

Finer Homes Property Repair and Maintenance Ltd

Finer Homes Property Repair and Maintenance Ltd provides all areas of property maintenance services including but not limited to: roofing repairs in Oldham - Kitchen fitter in Oldham - Bathroom fitter in Oldham - Renovations in Manchester - Manchester property repairs - Ashton Under Lyne property maintenance Contact us today to discuss your needs and we'll be pleased to supply you with a professional advice and an estimate.

Finer Homes Property Repair and Maintenance Ltd



Trade News selected by Local Linkup on 03/01/2012

 

Property maintenance services St Albans

 

MM Property Maintenance

property maintenance services St Albans MM Property Maintenance can be a reputable company in the property maintenance sector offering cost effective and premium quality service to clients across the St Albans area. All our work is undertaken by our experts making our service second to none. With MM Property Maintenance, you require not look any further, give us a call to speak to one of our friendly staff.

MM Property Maintenance



Trade News selected by Local Linkup on 03/01/2012

 

Electricians in Kettlethorpe

 

One Ca11

Whether you require general building maintenance or a simple home improvement, One Ca11 is the right firm for you. electricians in Kettlethorpe We offer fast and friendly property maintenance to suit all needs. Visit our Plink page to find out more about us and what we offer.

One Ca11



Trade News selected by Local Linkup on 03/01/2012

 

Electricians in Kettlethorpe

 

One Ca11

Whether you require general building maintenance or a simple home improvement, One Ca11 is the right firm for you. electricians in Kettlethorpe We offer fast and friendly property maintenance to suit all needs. Visit our Plink page to find out more about us and what we offer.

One Ca11



Trade News selected by Local Linkup on 03/01/2012

 

Southend On Sea joiner

 

County Interiors

Regular maintenance will prolong the life and availability of your properties. Make sure your property is in good condition all year long, County Interiors is here to help you. Southend On Sea joiner Our highly qualified staff are more than able to take care of your properties while making sure its safety and reliability. Contact us today, we guarantee a timely response to your requests.

County Interiors



Trade News selected by Local Linkup on 03/01/2012

 

Rotherham general builders

 

RG Property Services

Rotherham general builders RG Property Services is aware of the many property maintenance jobs that need attention and that's what we're here for. We aim to give assistance by providing complete and comprehensive property maintenance services to customers throughout Sheffield.

RG Property Services



Trade News selected by Local Linkup on 03/01/2012

 

Rotherham general builders

 

RG Property Services

Rotherham general builders RG Property Services is aware of the many property maintenance jobs that need attention and that's what we're here for. We aim to give assistance by providing complete and comprehensive property maintenance services to customers throughout Sheffield.

RG Property Services



Trade News selected by Local Linkup on 03/01/2012