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The Bank of England (BoE) has increased the base rate by 1.75 percent, as forecast, hitting the highest rate since the Global Financial Crisis of 2007-2008, a period of extreme stress in financial markets and economic systems. Our team at MortgagesRM are encouraging all homeowners to shop around for the best fixed-rate mortgage deal to protect against further rises in costs. Get the best remortgage deal today! Base Rates continue their astronomical rise Why You Should Look To Remortgage As Base Rates Rise Again The increase was widely anticipated, and is now the sixth consecutiverise from the record low rate of 0.1 percent in December 2021. The base rate was higher in December 2008, when it was 2 percent, but then fell to 1.5 percent at the beginning of January. The last time that the BoE raisedrates by 0.5 percent was in 1995 when it was increased from 6.13 percent during December 1994. It was then raised to 6.63 percent in February 1995. When will the economic recession hit? The BoE has forecast an economicrecession that could last for more than a year, with the CPI inflation rate expected to reach 13% by the end 2022. The warning is issued as the BoE has lowered its growth forecast, predicting the economy to slide into recession in the period between October and December 2022. The central bank stated that it anticipates the recession to continue until 2023. The bank expects that output will fall by 2.1 percent from peak-to-trough throughout this recession. This fall is similar to the recession in the 1990s but less severe than the 2008 crash. How will increased base rates impact people trying to get a mortgage? Why You Should Look To Remortgage As Base Rates Rise Again First-time buyers looking to make it onto the ladder are facing the cost of a mortgage which is 20% more than at the beginning of the year because of increasing interest rates and higher house prices. This is as long as theyҶe been able to save a sufficient amount of money to secure a deposit. Prior to the increase in base rates theaverage monthly mortgage payment was 㹷6 per month. This compares to 㸱3 monthly in the beginning of January, which is a 20% increase since the beginning of this year. The 0.5 percent hike could increase this to 㱬030, if the pricing is passed to lenders. You can avoid being hit by switching to a fixed-rate mortgage deal The bank recognised that therates of lending on new mortgages with fixed rates were rising and that the transition of mortgages with risk-free rates was similar to the situation witnessed in the 2008 financial crisis in the world. There are over 850,000 people living in the UK who are either on a variable or Tracker rate. This means that theirmortgage payments will be increasing in accordance with base rates. People who have variable rates will notice the change almost instantly. If you switch to a fixed-rate mortgage deal now, you can avoid the huge price hike that will come to those withvariable rate mortgage products. Contact Us Today Why You Should Look To Remortgage As Base Rates Rise Again At MortgagesRM, we are experts at sourcing the very best remortgage deals for our clients. We charge no fees to the people who come to us formortgage advice, we take a fixed fee from the bank. This means that our only motivation is to find you the very best deal out there ֠get in touch today and let us help you save money today.
The Bank of England (BoE) has increased the base rate by 1.75 percent, as forecast, hitting the highest rate since the Global Financial Crisis of 2007-2008, a period of extreme stress in financial markets and economic systems. Our team at MortgagesRM are encouraging all homeowners to shop around for the best fixed-rate mortgage deal to protect against further rises in costs. Get the best remortgage deal today! Base Rates continue their astronomical rise Why You Should Look To Remortgage As Base Rates Rise Again The increase was widely anticipated, and is now the sixth consecutiverise from the record low rate of 0.1 percent in December 2021. The base rate was higher in December 2008, when it was 2 percent, but then fell to 1.5 percent at the beginning of January. The last time that the BoE raisedrates by 0.5 percent was in 1995 when it was increased from 6.13 percent during December 1994. It was then raised to 6.63 percent in February 1995. When will the economic recession hit? The BoE has forecast an economicrecession that could last for more than a year, with the CPI inflation rate expected to reach 13% by the end 2022. The warning is issued as the BoE has lowered its growth forecast, predicting the economy to slide into recession in the period between October and December 2022. The central bank stated that it anticipates the recession to continue until 2023. The bank expects that output will fall by 2.1 percent from peak-to-trough throughout this recession. This fall is similar to the recession in the 1990s but less severe than the 2008 crash. How will increased base rates impact people trying to get a mortgage? Why You Should Look To Remortgage As Base Rates Rise Again First-time buyers looking to make it onto the ladder are facing the cost of a mortgage which is 20% more than at the beginning of the year because of increasing interest rates and higher house prices. This is as long as theyҶe been able to save a sufficient amount of money to secure a deposit. Prior to the increase in base rates theaverage monthly mortgage payment was 㹷6 per month. This compares to 㸱3 monthly in the beginning of January, which is a 20% increase since the beginning of this year. The 0.5 percent hike could increase this to 㱬030, if the pricing is passed to lenders. You can avoid being hit by switching to a fixed-rate mortgage deal The bank recognised that therates of lending on new mortgages with fixed rates were rising and that the transition of mortgages with risk-free rates was similar to the situation witnessed in the 2008 financial crisis in the world. There are over 850,000 people living in the UK who are either on a variable or Tracker rate. This means that theirmortgage payments will be increasing in accordance with base rates. People who have variable rates will notice the change almost instantly. If you switch to a fixed-rate mortgage deal now, you can avoid the huge price hike that will come to those withvariable rate mortgage products. Contact Us Today Why You Should Look To Remortgage As Base Rates Rise Again At MortgagesRM, we are experts at sourcing the very best remortgage deals for our clients. We charge no fees to the people who come to us formortgage advice, we take a fixed fee from the bank. This means that our only motivation is to find you the very best deal out there ֠get in touch today and let us help you save money today.
The Bank of England (BoE) has increased the base rate by 1.75 percent, as forecast, hitting the highest rate since the Global Financial Crisis of 2007-2008, a period of extreme stress in financial markets and economic systems. Our team at MortgagesRM are encouraging all homeowners to shop around for the best fixed-rate mortgage deal to protect against further rises in costs. Get the best remortgage deal today! Base Rates continue their astronomical rise Why You Should Look To Remortgage As Base Rates Rise Again The increase was widely anticipated, and is now the sixth consecutiverise from the record low rate of 0.1 percent in December 2021. The base rate was higher in December 2008, when it was 2 percent, but then fell to 1.5 percent at the beginning of January. The last time that the BoE raisedrates by 0.5 percent was in 1995 when it was increased from 6.13 percent during December 1994. It was then raised to 6.63 percent in February 1995. When will the economic recession hit? The BoE has forecast an economicrecession that could last for more than a year, with the CPI inflation rate expected to reach 13% by the end 2022. The warning is issued as the BoE has lowered its growth forecast, predicting the economy to slide into recession in the period between October and December 2022. The central bank stated that it anticipates the recession to continue until 2023. The bank expects that output will fall by 2.1 percent from peak-to-trough throughout this recession. This fall is similar to the recession in the 1990s but less severe than the 2008 crash. How will increased base rates impact people trying to get a mortgage? Why You Should Look To Remortgage As Base Rates Rise Again First-time buyers looking to make it onto the ladder are facing the cost of a mortgage which is 20% more than at the beginning of the year because of increasing interest rates and higher house prices. This is as long as theyҶe been able to save a sufficient amount of money to secure a deposit. Prior to the increase in base rates theaverage monthly mortgage payment was 㹷6 per month. This compares to 㸱3 monthly in the beginning of January, which is a 20% increase since the beginning of this year. The 0.5 percent hike could increase this to 㱬030, if the pricing is passed to lenders. You can avoid being hit by switching to a fixed-rate mortgage deal The bank recognised that therates of lending on new mortgages with fixed rates were rising and that the transition of mortgages with risk-free rates was similar to the situation witnessed in the 2008 financial crisis in the world. There are over 850,000 people living in the UK who are either on a variable or Tracker rate. This means that theirmortgage payments will be increasing in accordance with base rates. People who have variable rates will notice the change almost instantly. If you switch to a fixed-rate mortgage deal now, you can avoid the huge price hike that will come to those withvariable rate mortgage products. Contact Us Today Why You Should Look To Remortgage As Base Rates Rise Again At MortgagesRM, we are experts at sourcing the very best remortgage deals for our clients. We charge no fees to the people who come to us formortgage advice, we take a fixed fee from the bank. This means that our only motivation is to find you the very best deal out there ֠get in touch today and let us help you save money today.
Navigating the 2023 UK Minimum Wage and National Living Wage Increase: A Comprehensive Guide Introduction to the Minimum Wage and Livingסge Increase for 2023 As weҶe entered 2023, a hot topic on everyoneҳ mind is the increase in the UK national minimum wage. With ongoing discussions and debates surrounding fair compensation for employees and the cost of living, the UK government has decided to raise the minimum wage rates in April 2023. This change is expected to have far-reaching implications for both job seekers and employers, making it essential for everyone involved in the labour market to understand its impact. Find your ideal job here How the New Wage Rates for 2023 Will Impact Job Seekers and Apprentices For job seekers, including apprentices, the minimum living wage increase presents both opportunities and challenges. On the positive side, those working in minimum-wage jobs and apprenticeships can expect a pay rise meaning your pay per hour will increase. some are small some are jumping up, leading to improved living standards and an enhanced standard of living. However, the increase may also result in someemployers cutting back on their workforce or turning to automation to reduce labour costs. This could make the job market more competitive, with job seekers needing to showcase their skills and adaptability to stand out from the crowd. How the New MinimumΡtional Living Wage Rates Will Impact Job Seekers and Apprentices The new rates for 2023 mean that most workers, including apprentices, will experience a pay rise. For job seekers and apprentices, this increase in the minimum hourly rate is an opportunity to improve their living standards. However, itҳ essential to understand the potential challenges as well, such as increased competition in the job market and possiblechanges in employment opportunities. Apprenticeships offer valuable opportunities for individuals to acquire hands-on experience and learn new skills while earning a wage. The minimum wage for apprentices is typically lower than the standard minimum wage, as it takes into account the training and development aspect of the program. The first year of their apprenticeship, the starting pay may be modest, but it generally increases incrementally as the apprentice gains experience, knowledge, and proficiency in their chosen field. By the time they complete the apprenticeship, their pay rate should be more in line with industry standards for skilled workers. This gradual increase in wages not only motivates apprentices to continually improve their abilities but also reflects their growing value and contribution to their employer. Ways in Which a Recruitment Agency Can Help You Navigate the Minimum̩ving Wage Increase Recruitment agencies can be invaluable partners for job seekers looking to maximise their earnings, including those seeking apprenticeships, in light of the minimum଩ving wage increase. Some of the ways they can help include: Identifying high-demand industries:Recruitment agencies can help job seekers pinpoint industries and sectors that are experiencing growth, and therefore, may be more likely to offer higher-paying positions or apprenticeships. Upskilling and reskilling: Agencies often have access to training and development programs that can help job seekers build new skills or enhance existing ones, making them more attractive to potential employers. Negotiating salary and benefits: With their knowledge of the market and the new rates,recruitment agencies can help job seekers negotiate better pay packages, including hourly rates and working conditions. Tips for Job Seekers to Maximise Their Earnings in Light of the National Minimumסgeࠗage Increase To make the most of the new wages, job seekers and apprentices should: Stay informed about the minimum salary and any changes that may affect their pay. Invest in their skills and education to increase their value in the job market. Leverage recruitment agencies to find suitable job opportunities and negotiate better pay packages. Research the market: Stay informed about the industries that are growing and offering higher wages or apprenticeship opportunities. Invest in yourself: Build new skills or enhance your existing ones through training programs and online courses. Network: Connect with professionals in your industry, attend job fairs and networking events, and leverage social media platforms to expand your network. Tailor your resume: Customise your resume to highlight your most relevant skills and experiences for eachjob application, including apprenticeships. Contact us today Contact us today How Employers Can Stay Compliant with the New National Minimumסgeࠌaw Employers must adapt to the new minimum W and N living wage regulations to remain compliant and avoid penalties from HMRC. Here are some steps they can take: Review and adjust payroll: Ensure that all employees, including apprentices, are paid at least the new minimum hourly rate and update payroll systems accordingly༯p> Communicate changes: Inform employees about the new payment scales, including the apprentice rate, and any changes to their compensation packages. Review budgets: Assess the financial impact of the wage increase and make necessary adjustments to the companyҳ budget. Stay informed: Keep up to date with any changes in labor laws and regulations that may affect your business, including tax and national insurance requirements. The Importance of Partnering with a Recruitment Agency for Employers Recruitment agencies can help employers manage the impact of the national minimum෡ge increase by: For employers,working with a recruitment agency can be a game-changer in managing the implications of the minimum଩ving wage increase. Hereҳ whypartnering with a recruitment agency is essential for businesses: Access totop talent: Recruitment agencies have an extensive database of skilled candidates, including apprentices, enabling them to match employers with the best-suited individuals for their open positions. Time and cost savings: Byoutsourcing the recruitment process to an agency, employers can save time and resources that can be better spent on other aspects of their business. Expertise in compliance: Recruitment agencies stay up-to-date on labor laws and regulations, ensuring thatemployers remain compliant with the new minimum national pay଩ving wage requirements, as well as NMW regulations. Tailoredrecruitment solutions: Agencies can customise their recruitment strategies based on the specific needs of each employer, taking into consideration factors such as company size, industry, and budget. Providing access to a wide pool of skilled candidates, including apprentices, who meet the new wage requirements. Offering expert guidance on compliance with labor laws, including minimum wage and NMW regulations. Assisting with the recruitment process, saving employers time andresources. Navigating the Minimum Wage and National Living Wage Increase with a Recruitment Agency The 2023 minimum national earning଩ving wage increase presents both opportunities and challenges for job seekers, apprentices, and employers. By partnering with a recruitment agency, all parties can better navigate these changes and ensure a successful transition into the new wage landscape. Through expert guidance and support, recruitment agencies can help job seekers maximise their earnings, while assisting employers in maintaining compliance and finding the best candidates for their businesses.༯p> The minimum W and N living wage increase in April 2023 presents both opportunities and challenges for job seekers, apprentices, and employers alike. By partnering with a recruitment agency, both parties can better navigate the changing landscape, ensuring that job seekers find fulfilling and well-paying positions, and employersattract and retain the talent they need to succeed. Recruitment agencies offer valuable expertise, resources, and support in helping job seekers and apprentices maximise their earnings and adapt to the new job market, while also assisting employers in staying compliant with the new wage regulations and finding the right candidates for their businesses. In conclusion, the minimum national pay living wage increase of 2023 is an opportunity to reevaluate and adapt to the evolvingjob market, and with the help of a recruitment agency, both job seekers and employers can thrive in this new landscape. ༯p> Contact us today Promoting Work-Life Balance and Flexibility DID YOU KNOW THAT ONLY 33% OF NEW EMPLOYEES ARE FULLY ENGAGED IN THEIR NEW ROLES? If you want us to help you find your ideal job click the button below. If you are a business or charity looking for your perfect candidate contact us today on0333 888 0290 or emailhello@bhayanirecruitment.co.uk For HR, employment law and Health & Safety services for you or your business visit༳pan style="color: #eb0092;">www.bhayanilaw.co.uk Share this blog! Facebook Twitter LinkedIn Email WhatsApp
There can be situations uncalled where you face difficulty in keeping up with your mortgage payments. This has appeared as a common problem during the coronavirus pandemic and is a common question to us. This can be resolved either with the help of your lender or by government policies. In this article, we will try to jot down some of the common ways to sort this out. But it is always advisable to talk to an expert and explain the situation to him. The options available to you can be one of the below: Deferring a payment These are the payments that are postponed partially or completely for financial reasons. It is of various forms like deferring the agriculture tax, deferring for continuing study, etc. It is an opportunity for the people who are unable topay the mortgage. The first thing to check with the lender formortgage payment deferral also known as Payment holiday. The longer the payments are deferred, the higher the interest gets accrue, so it will ultimately cost more in the longer run. Please check your eligibility with the lender. The government has extended the payment holiday due to the current pandemic situation. Please refer to FCA guidance to understand where you stand on the list of rules. Payment holiday can be a good option when you are hopeful that you will be able to resume your mortgage payment in coming day Extending your mortgage This can be a good option when you are still able topay your mortgage but there is a drop in your income. You can ask the lender to increase your mortgage term which will result in less monthly payment. You will also be able to pay the previous arrears in that case. But there is a disadvantage here. By doing this, you will be increasing the interest amount you are going to pay in total. So you need to think ahead and plan like that. Switching to Interest only Switching to repay interest only is another option when there is a drop in your income. This will help you in reducing the monthly payment. It is a good short-term solution but to finish your mortgage early it is always advisable to get it deducted from the principal. You need to talk to your lender to make the changes when switching to interest-only repayment Mortgage arrears Arrears are those payments which you have not paid on scheduled time. Missing on scheduled mortgage payments does not mean you have to lose the house. Your lender, by law, has to support you and inform you of the arrears. There is a charge on the arrears which will be part of the repayment. Talk to your lender on this and figure out what will be your monthly payment including arrears to plan your budget. Plan a budget Planning a budget is the first point of the plan in such a situation. This should include all your income sources and their frequency. Similarly, list all your expenses and identify the unnecessary ones. Identify the loan which is of higher interest and make a plan around it. A famous equation you will found in many saving tips blogs: Ӆarning ֠Savings = ExpensesԠand not the other way round Ӆarnings- Expenses = SavingsԼ/strong> Mortgage Support Scheme Thescheme helps the households experiencing zero or low income to defer the principal repayments and up to 70% of interest payments on their mortgage for up to 2 years. This of course will help in reducing the monthly payments. Here the borrower has to switch to interest-only payments and still have to pay at least 30% of the interest. There are certain points that make the borrower eligible for the schemes which you need to check with the lender or from an expert. This is help from the government for 2 years max so that the situation gets manageable in such households. Also known as Support for Mortgage Interest (SMI) give the below state benefits. To know more click thelink Income Support Pension Credit Income-based Jobseekerҳ Allowance Income-related Employment and Support Allowance Refinancing your loan If you are able to maintain a good credit rating, then you can finance your currentmortgage with the loan having lower interest rates. You will be needing an expert to suggest when and how to plan this. The expert will be able to advise the best loans available and your eligibility on that. Short selling This will be the last option if things are getting beyond control. When the homeowners find it difficult to pay back they can start the process ofselling the house and let the lender handle your proceedings. In return, the lender accepts the sale as payment and releases the seller from the debt. This results in short of the amount from the sale not matching what is owed. Hence the name short selling. This will have less impact on your credit rating and you will be free of delayed repayments. Debt Charity Many people are not aware of the free services like those mentioned below to get free advice on debt. These debt charities wonҴ promote anything and will offer you unbiased advice. They can help you in starting a budget plan and how to talk to your lender about repayments. They offer ways to work so that you and the lenders come to an agreement Citizenҳ Advice Bureau National Debtline StepChange