Total mortgage lending in UK still affected by weakness in buy to let

March 23, 2017

Total mortgage lending in UK still affected by weakness in buy to let

Gross mortgage lending in the UK reached £18.2 billion in February, down 8% on January’s lending total of £19.8 billion but not far from the £18.1 billion lent in February last year.

The figures from the latest market report from the Council of Mortgage Lenders, which represents the vast majority of home lenders in the country, suggest that current weaknesses are likely to continue.

‘Mortgage lending is holding up well, but under the surface buyers face mixed fortunes. First time buyers and customers who are remortgaging are driving total lending, while home movers and buy to let remain weak,’ said CML senior economist Mohammad Jamei.

‘The weakness in home movers means few properties are coming onto the market for sale, which is aggravating a supply demand imbalance that has characterised the market since late 2013. This looks set to continue at least over the next few months, posing an obstacle for would-be borrowers,’ he added.

Henry Woodcock, principal mortgage consultant at IRESS, expects the market to pick up a bit in March, traditionally the start of the busy spring buying season. ‘There was no stimulus to housing provided in the Spring Budget, and forecasts by estate agents indicate that the number of home transactions completed will fall % this year,’ he said.

‘However, I still expect March gross lending to be slightly higher than February, although it will not reach the heady height of 2016 which was driven to a great extent by impending buy to let changes,’ he explained.

‘Of course, one thing could change this. The recent jump in inflation to 2.3% is the first above target rise since November 2013. No doubt this will put some pressure on the Bank of England’s Monetary Policy Committee (MPC) to start considering interest rate rises,’ he pointed out.

‘If that were to happen it would obviously mean higher monthly payments for people on tracker and variable mortgages, and lenders would react quickly to pull some of the very cheap mortgage deals. It wouldn’t surprise me if we see an unusually higher spike in mortgage activity over the coming months as people look to secure the best deals while they’re still available,’ he added.

John Eastgate, sales and marketing director of OneSavings Bank, pointed out that a nine year high for gross mortgage lending in January proved that mortgage demand is effervescent. ‘But given the record highs, some moderation was to be expected and is arguably welcomed. The Brexit effect and the base rate cut have driven mortgage rates to all-time lows, supporting mortgage activity, most prominently in remortgaging,’ he said.

‘While buy to let purchases have seen a dip since the changes to stamp duty costs last year, the sector has also seen a surge in demand from landlords refinancing to take advantage of low rates to reduce their costs. We should expect to see remortgage activity continue to drive lending levels in 2017 as a lack of supply and stretched affordability, will continue to subdue the purchase market,’ he added.

Total mortgage lending in UK still affected by weakness in buy to let

March 23, 2017

Total mortgage lending in UK still affected by weakness in buy to let

Gross mortgage lending in the UK reached £18.2 billion in February, down 8% on January’s lending total of £19.8 billion but not far from the £18.1 billion lent in February last year.

The figures from the latest market report from the Council of Mortgage Lenders, which represents the vast majority of home lenders in the country, suggest that current weaknesses are likely to continue.

‘Mortgage lending is holding up well, but under the surface buyers face mixed fortunes. First time buyers and customers who are remortgaging are driving total lending, while home movers and buy to let remain weak,’ said CML senior economist Mohammad Jamei.

‘The weakness in home movers means few properties are coming onto the market for sale, which is aggravating a supply demand imbalance that has characterised the market since late 2013. This looks set to continue at least over the next few months, posing an obstacle for would-be borrowers,’ he added.

Henry Woodcock, principal mortgage consultant at IRESS, expects the market to pick up a bit in March, traditionally the start of the busy spring buying season. ‘There was no stimulus to housing provided in the Spring Budget, and forecasts by estate agents indicate that the number of home transactions completed will fall % this year,’ he said.

‘However, I still expect March gross lending to be slightly higher than February, although it will not reach the heady height of 2016 which was driven to a great extent by impending buy to let changes,’ he explained.

‘Of course, one thing could change this. The recent jump in inflation to 2.3% is the first above target rise since November 2013. No doubt this will put some pressure on the Bank of England’s Monetary Policy Committee (MPC) to start considering interest rate rises,’ he pointed out.

‘If that were to happen it would obviously mean higher monthly payments for people on tracker and variable mortgages, and lenders would react quickly to pull some of the very cheap mortgage deals. It wouldn’t surprise me if we see an unusually higher spike in mortgage activity over the coming months as people look to secure the best deals while they’re still available,’ he added.

John Eastgate, sales and marketing director of OneSavings Bank, pointed out that a nine year high for gross mortgage lending in January proved that mortgage demand is effervescent. ‘But given the record highs, some moderation was to be expected and is arguably welcomed. The Brexit effect and the base rate cut have driven mortgage rates to all-time lows, supporting mortgage activity, most prominently in remortgaging,’ he said.

‘While buy to let purchases have seen a dip since the changes to stamp duty costs last year, the sector has also seen a surge in demand from landlords refinancing to take advantage of low rates to reduce their costs. We should expect to see remortgage activity continue to drive lending levels in 2017 as a lack of supply and stretched affordability, will continue to subdue the purchase market,’ he added.
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Te voi lubi O-Zone

January 24, 2009

Te voi lubi O-Zone
Plecind pe jos in ceata
Pe veci m-ai parasit
Si nu vroiam sa cred
In tot ce mi-ai vorbit
Dar ochii tai din iarna
Mi- au dezgheatat gindirea
Lasind in urma vara
Cu falsa ta iubire
Tu te gindeai mereu
La bani si intelegs acum
Ca nu conta iubirea
Conta un drum mai bun
Ai vrut o viata mai dulce
Si un barbat cu un zeu
Desi nu vrei sa stii de mine
Te voi iubi mereau

Refrain:
Te voi iubi………..
Te voi iubi mereau……..
Pina-n ultima zi

Mä pierd in amintiri
Revino din trecut
Caci viata mea s-a stins
Demult, cind te-am pierdut

Cind ne trezeam in zori
Tu in graba plecai
Si de noaptea frumoasa
Desigur uitai
Iti aduceai aminte
De o alta intilnire
El era mai bogat
Si arata mai bine
Iubirea e mai scumpa
Dar nu mai inteles
Souneai ca fara bani
Ea nu mai are sens
Cind vei intelege
Si la mine vei veni
Te voi iubi mereu
Dar nu te voi primi

Refrain:
Te voi iubi………..
Te voi iubi mereau……..
Pina-n ultima zi

O, cit n-as vrea
Dar te voi iubi
Caci tu esti in noapte
Lumina de zi

Tu vei fi departe
Iar eu voi iubi
Caci tu esti in noapte
Lumina de zi

Tu vei fi departe
Iar eu voi iubi
Doar tu si eu
Doar in gindul meu

Refrain:
Te voi iubi………..
Te voi iubi mereau……..
Pina-n ultima zi

In doi O-Zone

January 24, 2009

In doi O-Zone
In doi, cand noaptea e doar pentru noi
In doi, sa fim fericiti in noapte
In doi, cand luna e doar pentru noi
In doi, sa fim In doi, In doi.
Refren:
In doi, numai In doi,
Numai In doi, doar cu tine
In doi, numai In doi,
Numai In doi, cu tine. 2 ori

In doi, cand noaptea e doar pentru noi,
In doi sa ne iubim in noapte,
In doi, cand cerul e doar pentru noi
In doi, sa fim In doi.

In doi, cand lumea e doar pentru noi
In doi sa fim pierduti in lume
In doi, cand dragostea e in noi
In doi, sa fim In doi.

Refren: […]

In doi – cand noaptea e doar pentru noi,
sa fim In doi.
In doi, doi …
In doi, doi …

Refren: […]

In doi, In doi, unde noaptea-i cu noi
As vrea sa fiu … cu tine …

ragostea din tei (deutsche) O-Zone

January 24, 2009

ragostea din tei (deutsche) O-Zone
I:
Hallo, Servus ich bins ein Haiduc
und ich bitte dich meine Liebe bekomme das Glück

II:
Hallo ich bins Picasso
Ich gab dir beep (Schwung), und bin gut drauf
Doch du sollst wissen ich verlang dir nichts

Refrain:
Willst du gehn nimmst mich nicht mit, nimmst mich nicht mit
nimmst mich nicht mit
nimmst mich nicht mit
nimmst mich nicht mit
nimmst mich nicht mit
Dein Körper und deine Liebe aus
Erinnern mich an deine Augen

III:
Ich ruf dich an um dir zu sagen was ich fühle
Hallo meine Liebe ich bins dein Glück

IV:
Hallo, hallo ich bins wieder Picasso
Ich gab dir beep und bin gut drauf
Doch du sollst wissen ich verlang dir nichts

Inne teksty piosenek O-Zone

Te astept O-Zone

January 24, 2009

Te astept O-Zone
Te astept in departare
Te astept cu nerabdare
sa revii la mine-n viata
vino vino inapoi
Te astept cand nu mai este
nici o sansa pentru noi
vreua sa fiu din nou cu tine
vino vino inapoi

eu ma simt aiurea , acum cand fara tine
sunt singur si-nteleg , atunci era mai bine
muzica noastra , de tine-mi aminteste
stiu ca pentru noi , iubirea mai traieste

tot ce vad in lumea mare , iau in ochi si-mpart la doi (tot)
tot ce-am vrut , e sa fiu mai liber
vino vino inapoi

Te astept in departare
Te astept cu nerabdare
sa revii la mine-n viata
vino vino inapoi
Te astept cand nu mai este
nici o sansa pentru noi
vreau sa fiu din nou cu tine
vino vino inapoi

vara a trecut , tot ce-a fost s-a spulberat
cand sunt singur imi dau seama , ca de tine am uitat
as vrea sa te sun , as vrea sa nu dormi
dar cred ca-i prea tarziu , din nou sa ne iubim

vreau sa stiu daca mai este
fericire pentru noi (vreaaaaaaaauuuu)
vreau sa-ti spun ca acum e prea tarziu ( si )
vino vino inapoi

Te astept in departare
Te astept cu nerabdare
sa revii la mine-n viata
vino vino inapoi
Te astept cand nu mai este
nici o sansa pentru noi
vreua sa fiu din nou cu tine
vino vino inapoi

vreau sa-ti spun ca acum e prea tarziu
prea tarziu

eu ma simt aiurea , acum cand fara tine
sunt singur si-nteleg , atunci era mai bine
muzica noastra de tine-mi aminteste
stiu ca pentru noi, iubirea mai traieste

vara a trecut , tot ce-a fost s-a spulberat
cand sunt singur imi dau seama , ca de tine am uitat
as vrea sa te sun , as vrea sa nu dormi
dar cred ca-i prea tarziu , din nou sa ne iubim

sa ne iubim x 4 Te astept cu nerabdare
sa revii la mine-n viata
vino vino inapoi
Te astept cand nu mai este
nici o sansa pentru noi
vreua sa fiu din nou cu tine
vino vino inapoi

Te astept in departare
Te astept cu nerabdare
sa revii la mine-n viata
vino vino inapoi
Te astept cand nu mai este
nici o sansa pentru noi
vreua sa fiu din nou cu tine

Nu ma las de limba noastra O-Zone

January 24, 2009

Nu ma las de limba noastra O-Zone
De-o fi cumva sa fim vreodata
Loviti de sus de-o soarta strîmba
Mai bine muti o viata toata
Decîî Lipsiti de-a noastra limba

De-o alta nu-mai soptiti întruma
Nu mi-o strigati pe sub fereastra
Parearea mea nu se mai schimba
Eu Nu ma las de limba noastra

Cît timp în lumea zgomotoasa
Va fi suflare omeneasca,
De-a purui sînta si frumoasa
A noastra limba sa traiasca

Sortita-n veci de-a nu apune
Cu-a sa rostire-nalt maisatra,
Mereu sub soare sa rasune
Ca o cîntare limba noastra

Deci vrerea mea sub zarea-albastra
S-o stie lifta cea pagîna-
Eu Nu ma las de limba noastra,
De limba noastra cea româna

piosenki VIP O-Zone

January 24, 2009

piosenki VIP O-Zone
Na na na na!
Na na na na!
Heey! VIP!

Na na na na!
Na na na na!
Heey! VIP!

Ne privesti in ochi rizind
Crezi ca ne-njosesti
A-a! Vrei sa ne duci la dispare?
Zimbetul ironic sa stii ca nu be doare
VIP, noi mergem inainte!
Faca cuvinte
Iti vad in ochi uimire?
Ai sperat sa vezi in noi dezmagire?
Dar nu mai conteaza,
Vrem sa iei aminte, hey VIP, noi mergem inainte!

Na na na na!
Na na na na!
Heey! VIP!

Na na na na!
Na na na na!
Heey! VIP!

Ti-am cerut o sansa, doar atit
Sa demonstram am vrut
Ne-ai interupt, ai spus c-avem defiecte,
Nu cred ca exista actimi perfecte, hey

Luptam in continuare
Pentru ziua cea mare,
Pentru o idee tare si-un loc mai bun sub soare,
Iar daca ziua aceea se va preface-n noapte
Vom lua aminte
Sa mergem inainte!

Na na na na!
Na na na na!
Heey! VIP!

Na na na na!
Na na na na!
Heey! VIP!

Na na na na!
Na na na na!
Heey! VIP!

Na na na na!
Na na na na!
Heey! VIP!

M-as trezi O-Zone

January 24, 2009

M-as trezi O-Zone
As veni la tine-n vis
Sa te-nvat sa simti placerea,
Sa creez un Paradis
Din extaz si din durere.
Vreau sa cred ca esti a mea
Sa-ti ofer tot ce-ti doresti,
Tu sa-mi dai iubirea ta
Ca-ntr-o nunta din povesti,
Ca in povesti …
Refren:
M-as trezi undeva
Unde-as fi numai cu tine,
Caci nu vreau sa te-mpart cu oricine.
M-as trezi undeva
Unde-n zilele senine
Te-as iubi mereu doar pe tine.

Sub un cer fara de ploi
Sa fim impreuna,
Sa-mpartim numai la doi
Marea, stelele si luna.
M-as trezi, da, M-as trezi
Sa-ti tin rasuflarea,
S-o inspir si s-o mentin
Pina cind ii pierd culoarea.

Refren: […]

Daca vin linga tine
Sa ma simti inaripat,
Daca plec fara tine
Sa-mi scrii pe buze: ”De la mine”.

Refren: […]

M-as trezi undeva,
Undeva doar cu tine,
Caci nu vreau
Sa te-mpart cu oricine.

Dragostea din tei O-Zone

January 24, 2009

Dragostea din tei O-Zone
4x
Ma-ia-hii
Ma-ia-huu
Ma-ia-hoo
Ma-ia-haa
Alo, Salut, sunt eu, un haiduc,
Si te rog, iubirea mea, primeste fericirea.
Alo, alo, sunt eu Picasso,
Ti-am dat beep, si sunt voinic,
Dar sa stii nu-ti cer nimic.

Vrei sa pleci dar nu ma, nu ma iei,
Nu ma, nu ma iei, nu ma, nu ma, nu ma iei.
Chipul tau si Dragostea din tei,
Mi-amintesc de ochii tai.

Vrei sa pleci dar nu ma, nu ma iei,
Nu ma, nu ma iei, nu ma, nu ma, nu ma iei.
Chipul tau si Dragostea din tei,
Mi-amintesc de ochii tai.

Te sun, sa-ti spun, ce simt acum,
Alo, iubirea mea, sunt eu, fericirea.
Alo, alo, sunt iarasi eu, Picasso,
Ti-am dat beep, si sunt voinic,
Dar sa stii nu-ti cer nimic.

Vrei sa pleci dar nu ma, nu ma iei,
Nu ma, nu ma iei, nu ma, nu ma, nu ma iei.
Chipul tau si Dragostea din tei,
Mi-amintesc de ochii tai.

Vrei sa pleci dar nu ma, nu ma iei,
Nu ma, nu ma iei, nu ma, nu ma, nu ma iei.
Chipul tau si Dragostea din tei,
Mi-amintesc de ochii tai.2x

x4
Ma-ia-hii
Ma-ia-huu
Ma-ia-hoo
Ma-ia-haa

Vrei sa pleci dar nu ma, nu ma iei,
Nu ma, nu ma iei, nu ma, nu ma, nu ma iei.
Chipul tau si Dragostea din tei,
Mi-amintesc de ochii tai.

Vrei sa pleci dar nu ma, nu ma iei,
Nu ma, nu ma iei, nu ma, nu ma, nu ma iei.
Chipul tau si Dragostea din tei,
Mi-amintesc de ochii tai.