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In our opinion, we are firmly in a buyer’s market and anyone looking to purchase now should look to drive a hard bargain. Average house prices could have further to fall so the time is ripe for purchasers to negotiate robustly on property prices.

Buyers should take a long-term view, whether they’re nesting or investing. Given the current economic backdrop, it is impossible to predict the timing of a sustained national recovery in activity and prices, but it could take a number of years for consumer confidence to improve on the back of a strengthening outlook for the economy and a resumption in the flow of credit.

Interest rates are highly likely to rise in the future – the only question is when and how quickly. As a result, fixed and capped mortgages offer a sensible and very well-priced option for buyers with sizeable deposits.

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Bank Base Rate (BBR) is now at an all time historic low, following the Bank of England’s latest rate cut to 0.5%. Borrowers have been waiting for rates to fall before locking into a new deal, so is now the right time?

Mortgage rates cannot fall much further (they may even start to rise again if worries about inflation lead to an increase in BBR) and so this does seem to be the right moment for all borrowers to take action. But just how easy is it to find the best deal for those borrowers who need a large mortgage loan, particularly if they are reliant on bonuses, are self-employed or have complex financial affairs?

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The dramatic slide of sterling against the US Dollar and Euro currencies since 2007 has created great buying opportunities in the UK, with investors jetting in from Cairo, Singapore, Rome and New York to see what their money can now buy.

The weak pound is a great incentive to consider investing in a UK home as it is very tax efficient for
wealthy individuals to base themselves in Britain. The stumbling block for a long time has been the price of UK property, but that has changed since the summer of 2007.

International buyers are finding that the combination of falling prices and improved exchange rates means that they can secure deals that cost them up to 40% less in their own currencies than they would have just eighteen months ago.

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