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About The Mortgage Rescue Scheme
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Book Synopsis The Mortgage Rescue Scheme by : Great Britain. National Audit Office
Download or read book The Mortgage Rescue Scheme written by Great Britain. National Audit Office and published by The Stationery Office. This book was released on 2011 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Mortgage Rescue Scheme, since it was launched in January 2009 by the Department for Communities and Local Government, achieved fewer than half of the rescues expected. The Department directly helped 2,600 households avoid repossession and homelessness at a cost of in excess of �240 million - but it originally expected to help 6,000 households for �205 million. Under the Scheme, vulnerable homeowners at imminent risk of repossession who fulfil the eligibility criteria can apply to housing associations to provide them with an equity loan to help them reduce their monthly mortgage payments and retain ownership; or, alternatively, to purchase the home outright with the former owner remaining in the house as a tenant. The Department misjudged what the levels of demand would be for the respective types of rescue. It thought that most households would choose to take an equity loan through the Scheme, the cheaper option for the taxpayer, but nearly all sold their houses and stayed on as tenants. As a result, the average cost of each completed rescue has been much higher than expected - �93,000, compared with �34,000. The Department does not have enough information to say why so few households took the equity loan route. The Department now has actions in place to reduce the cost of the Scheme to the taxpayer. The report concludes that the Department did not adequately test the assumptions underpinning the Scheme's business case, and that it could have acted earlier to improve value for money.
Author :Great Britain: Parliament: House of Commons: Treasury Committee Publisher :The Stationery Office ISBN 13 :9780215540805 Total Pages :220 pages Book Rating :4.5/5 (48 download)
Book Synopsis Mortgage arrears and access to mortgage finance by : Great Britain: Parliament: House of Commons: Treasury Committee
Download or read book Mortgage arrears and access to mortgage finance written by Great Britain: Parliament: House of Commons: Treasury Committee and published by The Stationery Office. This book was released on 2009-08-08 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report focuses on households affected by the recession, struggling with mortgage arrears or at risk of repossession. The role of the Financial Services Authority (FSA) is also scrutinised. The report notes that both mortgage arrears and repossession levels are on an upward trend and that both are expected to continue rising over the next few years as a result of the recession. The Committee acknowledges that many mainstream lenders are taking pro-active steps to support consumers in mortgage difficulties, but expresses concern at the lack of flexibility and forbearance shown by some lenders in the sub-prime, specialist and second charge sectors towards homeowners in arrears, and the fact that some lenders are charging high and excessive mortgage arrears fees to customers who fall into mortgage difficulties. The FSA should take a much more robust stance towards tackling and eliminating unfair arrears charges. The report criticises the seemingly leisurely approach of the FSA in terms of completing its mortgage arrears review and enforcing possible breaches in the mortgage arrears rules. It calls upon the FSA to spell out clearly in its forthcoming review how it will improve its performance in terms of bringing miscreant firms to book. The report recommends that the Government re-examine its longer-term strategy towards supporting homeowners in mortgage difficulties to ensure that adequate mechanisms to support homeowners are in place even once the current downturn has ended.
Author :Great Britain. Parliament. House of Commons. Communities and Local Government Committee Publisher :The Stationery Office ISBN 13 :9780215526526 Total Pages :276 pages Book Rating :4.5/5 (265 download)
Book Synopsis Housing and the Credit Crunch by : Great Britain. Parliament. House of Commons. Communities and Local Government Committee
Download or read book Housing and the Credit Crunch written by Great Britain. Parliament. House of Commons. Communities and Local Government Committee and published by The Stationery Office. This book was released on 2009 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this report the Communities and Local Government Committee says the Government must stick to its long term house building targets, despite the credit crunch, but a greater proportion of the homes built should be social housing. The Committee is concerned that the £975 million borrowed by the Government from its 2010-11 budgets to build social rented housing now is not new money, and that the Government has been unable to say how that borrowing will be replaced. The Committee urges the Department for Communities and Local Government to: put pressure on the Treasury to ensure measures to revive the mortgage markets are implemented immediately; increase construction of new social housing, both to provide for housing need and as a means of maintaining capacity in the homebuilding industry whilst the market recovers; accelerate refurbishment programmes for social housing; acquire further social housing through the purchase of unsold stock and street properties; consider the purchase of unsold family homes which have been on the market for more than a year; encourage public sector bodies to make land available for the development of new homes. The report also urges the Government to do more to help those at risk of repossession by considering sanctions against lenders who repossess too quickly and by doing more to protect tenants and homeowners from unscrupulous landlords. An Office of Fair Trading recommendation for sale-and-rent back schemes should be implemented as a matter of urgency to protect the growing number of households falling behind in mortgage payments. The Committee would like to see more done to support housing associations, including increasing social housing grant where necessary.
Book Synopsis Lost Your Job? Save Your House! by :
Download or read book Lost Your Job? Save Your House! written by and published by Robert Jeffreys. This book was released on with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Encyclopedia of White-Collar and Corporate Crime by : Lawrence M. Salinger
Download or read book Encyclopedia of White-Collar and Corporate Crime written by Lawrence M. Salinger and published by SAGE Publications. This book was released on 2013-06-14 with total page 1212 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since the first edition of the Encyclopedia of White Collar and Corporate Crime was produced in 2004, the number and severity of these crimes have risen to the level of calamity, so much so that many experts attribute the near-Depression of 2008 to white-collar malfeasance, namely crimes of greed and excess by bankers and financial institutions. Whether the perpetrators were prosecuted or not, white-collar and corporate crime came near to collapsing the U.S. economy. In the 7 years since the first edition was produced we have also seen the largest Ponzi scheme in history (Maddoff), an ecological disaster caused by British Petroleum and its subcontractors (Gulf Oil Spill), and U.S. Defense Department contractors operating like vigilantes in Iraq (Blackwater). White-collar criminals have been busy, and the Second Edition of this encyclopedia captures what has been going on in the news and behind the scenes with new articles and updates to past articles.
Author :Great Britain: Parliament: House of Commons: Communities and Local Government Committee Publisher :The Stationery Office ISBN 13 :9780215544360 Total Pages :196 pages Book Rating :4.5/5 (443 download)
Book Synopsis Communities and Local Government's departmental annual report 2009, and the performance of the Department in 2008-09 by : Great Britain: Parliament: House of Commons: Communities and Local Government Committee
Download or read book Communities and Local Government's departmental annual report 2009, and the performance of the Department in 2008-09 written by Great Britain: Parliament: House of Commons: Communities and Local Government Committee and published by The Stationery Office. This book was released on 2010-03-05 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: Incorporating HC 1038-i-ii, session 2008-09. The DCLG departmental annual report 2009 was published as Cm. 7598 (ISBN 9780101759823)
Book Synopsis Community, Home, and Identity by : Terry L. Turnipseed
Download or read book Community, Home, and Identity written by Terry L. Turnipseed and published by Routledge. This book was released on 2016-05-23 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: Community, home, and identity are concepts that have concerned scholars in a variety of fields for some time. Legal scholars, sociologists, anthropologists, psychologists, and economists, among others, have studied the impacts of home and community on one's identity and how one's identity is manifested in one's home and in one's community. This volume brings together some of the leading thinkers about the connections between community, home and identity. Several chapters address how the law and lawyers contribute (or detract) from the creation and maintenance of community and, in some cases, the conscious destruction of communities. Others examine the protection of individual and group identities through rules related to property title and use of such things as Home and 'identity property'.
Book Synopsis The Idea of Home in Law by : Lorna Fox O'Mahony
Download or read book The Idea of Home in Law written by Lorna Fox O'Mahony and published by Routledge. This book was released on 2016-03-03 with total page 223 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Idea of Home in Law: Displacement and Dispossession explores an important set of legal and policy issues surrounding the concepts of home and homelessness, taking a growing area of legal scholarship into the new arena of human rights and international law. The collection considers the ideas concerning home - both in the sense of the dwelling place as a special type of property, and territorial claims to homeland - which underpin many contemporary legal problems, by examining a range of contexts where people are displaced or dispossessed from their homes. The essays focusing on dispossession consider themes ranging from mortgage and rent arrears in the UK to responses to the foreclosure crisis in the USA, and from eviction for the purposes of economic development in South Africa to the exclusion of asylum seekers from the UK's social housing and welfare provision, and within the framework of the European Convention on Human Rights. The displacement theme, meanwhile, examines transnational 'home' issues from the experiences of exiles and refugees in areas of conflict to the impact of the broader context of economic, social and cultural rights on attempts to protect housing and home through international law. At the heart of each essay the contributors, experts from across the fields of law, policy, and housing rights, examine the circumstances in which displacement and dispossession take place, and reconsider how law and policy respond to such circumstances with a particular focus on the impact of loss of home for the human person. At a time of particular and increasing concern about security of tenure and the role of law and policy in protecting people who are vulnerable to forced eviction, The Idea of Home in Law presents a bold opportunity to raise questions about the 'rights' and norms associated with housing and home, and to generate new insights for scholarship and for national and international policy debates concerning displacement and dispossession.
Book Synopsis Homeownership Preservation: Federal Efforts to Combat Foreclosure Rescue Schemes are Underway, but Improved Planning Elements Could Enhance Progress by :
Download or read book Homeownership Preservation: Federal Efforts to Combat Foreclosure Rescue Schemes are Underway, but Improved Planning Elements Could Enhance Progress written by and published by DIANE Publishing. This book was released on with total page 43 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financial viability of the social housing sector by : Great Britain: National Audit Office
Download or read book Financial viability of the social housing sector written by Great Britain: National Audit Office and published by The Stationery Office. This book was released on 2012-07-04 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Affordable Homes Programme is aimed at delivering below market price housing. The development of the new funding model for affordable rent and home ownership was led by the Department for Communities and Local Government and the Homes and Communities Agency. The new Programme will be delivered by housing associations, local authorities and other housing providers, who were able to bid for Programme funding during 2011. The new model means the Department pays less grant per home than under previous schemes (£20,000 compared with £60,000 under the previous programme), while housing providers borrow more and can charge higher rents. The new scheme represents a reduction of 60 per cent in average annual spending on affordable homes over the four years of the Programme from 2011-12 to 2014-15, when compared to the three years up to March 2011. The Programme will increase providers' financial exposure, with the sector facing challenges in securing bank financing for capital investment and over the cost of supporting both future and existing debt. Providers have committed themselves to building some 80,000 homes for the £1.8 billion of government investment, compared to the initial target of 56,000. However, key risks remain. Nearly a fifth of contracts with housing providers remain to be signed; more than half of the planned homes are not currently due to be delivered until the final year of the Programme; and some providers are concerned that they may not be able to charge rents at the levels they originally agreed with the Programme.
Download or read book Land Law written by Ben McFarlane and published by Oxford University Press, USA. This book was released on 2020 with total page 494 pages. Available in PDF, EPUB and Kindle. Book excerpt: Authoritative, analytical, and concise, McFarlane, Hopkins and Nield's Land Law provides succinct coverage on the core areas without sacrificing depth or detail. The authors' unique approach to land law arms students with the tools to apply an independent, critical thought process to the content covered in classes and assessments.
Book Synopsis The Beginner's Guide to Property Investment by : Tony Booth
Download or read book The Beginner's Guide to Property Investment written by Tony Booth and published by How To Books Ltd. This book was released on 2004 with total page 404 pages. Available in PDF, EPUB and Kindle. Book excerpt: For author Tony Booth this title represents the culmination of knowledge and experience gained over many years as a professional investor, estate agent, letting agent and author of other property related books. CONTENTS: 1. Why Buy? 2. Assessing Circumstances 3. Daydreams versus Reality 4. Your First Independent Home 5. An Investment Property 6. Buy-To-Let 7. Buying a UK Holiday Home Investment 8. Buying Property Abroad 9. Self-build 10. A Business Enterprise 11. Borrowed Funds 12. The Mortgage Maze 13. Alternative First-Time Investor Solutions 14. Choosing a Lender 15. Assessing the True Cost of Buying 16. Finding Suitable Property 17. Viewing Property 18. Making an Offer 19. Surveying the Property 20. Employing a Solicitor 21. The Legal Process 22. Delays and Problems 23. Preparing for Completion Day 24. Completion Day 25. Essential Tasks After Moving In 26. Dealing with a Financial Shortfall
Book Synopsis Great Debates in Land Law by : David Cowan
Download or read book Great Debates in Land Law written by David Cowan and published by Bloomsbury Publishing. This book was released on 2023-04-20 with total page 331 pages. Available in PDF, EPUB and Kindle. Book excerpt: While there are plenty of land law textbooks on the market, there is, in general, an absence of critical texts designed for law students to deepen their understanding of the subject. Great Debates in Land Law provides students with the contextual and critical aspects of this exciting topic. Each chapter introduces topics for debate such as “Is tenancy a property or a personal right?” and goes on to include features such as boxed discursive notes from the authors, important cases and suggestions for further reading. The Great Debates series provides engaging and accessible analysis of the more advanced legal concepts. For books in the major taught subjects, such as land law, the series is designed for use by ambitious students alongside a main course textbook. For books addressing subjects that are less often taught (such as family law), the series provides a clear and critical exposition of the key areas of debate. By focussing on particular questions and tensions underlying a subject, Great Debates titles encourage students to think critically, analyse a topic and gain additional insights. These skills and the discursive nature of the series, with an emphasis on contentious topics, are also useful for students when preparing their dissertations.
Author :United States. Congress. House. Committee on Appropriations. Subcommittee on Commerce, Justice, Science, and Related Agencies Publisher : ISBN 13 : Total Pages :1444 pages Book Rating :4.:/5 (319 download)
Book Synopsis Commerce, Justice, Science, and Related Agencies Appropriations for 2012 by : United States. Congress. House. Committee on Appropriations. Subcommittee on Commerce, Justice, Science, and Related Agencies
Download or read book Commerce, Justice, Science, and Related Agencies Appropriations for 2012 written by United States. Congress. House. Committee on Appropriations. Subcommittee on Commerce, Justice, Science, and Related Agencies and published by . This book was released on 2011 with total page 1444 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Finance for housing by : Cathy Davis
Download or read book Finance for housing written by Cathy Davis and published by Policy Press. This book was released on 2013-07-17 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the years since distressed mortgage-backed securities sparked the 2008 economic crisis, several nations have implemented austerity programs that aim to reduce their debt by stabilizing shaky financial institutions. Cathy Davis contends that the British coalition government is actually using its austerity plan as a way to dismantle the welfare state--and that housing remains at the heart of the matter. Explaining why mortgages and rental costs are rising even as people with low incomes receive substantially less help from the government, she reveals the longstanding links between housing finance and broader social and political issues.
Book Synopsis All That Is Solid by : Danny Dorling
Download or read book All That Is Solid written by Danny Dorling and published by Penguin UK. This book was released on 2014-02-19 with total page 307 pages. Available in PDF, EPUB and Kindle. Book excerpt: Housing was at the heart of the financial collapse, and our economy is now precariously reliant on the housing market. In this groundbreaking new book, Danny Dorling argues that housing is the defining issue of our times. Tracing how we got to our current crisis and how housing has come to reflect class and wealth in Britain, All That Is Solid radically shows that the solution to our problems - rising homelessness, a generation priced out of home ownership - is not, as is widely assumed, building more homes. Inequality, he argues, is what we really need to overcome.
Download or read book Avoiding Debt written by and published by streetgate ltd. This book was released on with total page 91 pages. Available in PDF, EPUB and Kindle. Book excerpt:
