Moving Home with Charlie

5 Fact Friday live with Housing Stig: mortgage approvals down 19% in a month, the new "Your First Home" 2.5% deposit scheme for new builds, average fixes nearing 6%, a quarter of new listings back on the market (six in 10 cheaper), and licences for estate agents.

Watch the full stream on YouTube: https://www.youtube.com/watch?v=TSzQosTJGWY
Support the show
Follow me on X for daily updates: https://x.com/moving_charlie 

🎥 Charlie's Golden rules videos for
Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 
Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs 
Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw

🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe

📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/

📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/

💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/

🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/
...

Tonight I went live to talk about mortgage approvals collapsing 19% in one month - the Bank of England's August figures against July - what that tells us about where the market is heading, and then took your moving questions in a live Q&A. Thanks to everyone who joined in the chat.

Watch the full stream on YouTube: https://www.youtube.com/watch?v=dkklOaUs-H8
Support the show
Follow me on X for daily updates: https://x.com/moving_charlie 

🎥 Charlie's Golden rules videos for
Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 
Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs 
Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw

🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe

📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/

📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/

💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/

🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/
...

Tonight I went live to weigh up the pros and cons of "your first home" - what really matters when you're buying your first place, where people get caught out, and what I'd think about before committing. Thanks to everyone who joined in the chat.

Watch the full stream on YouTube: https://www.youtube.com/watch?v=uwmc6_OTZkk
Support the show
Follow me on X for daily updates: https://x.com/moving_charlie 

🎥 Charlie's Golden rules videos for
Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 
Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs 
Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw

🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe

📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/

📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/

💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/

🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/
...

Deal times have hit a record: PropertyMark's latest survey has more than half of estate agents reporting deals taking over 17 weeks from agreed offer to exchange. That's the first time since they started measuring in 2015, and it backs up the warning that every force acting on the market this year would make moving harder. Fact one: Labour is considering lowering the mansion tax threshold from £2 million to £1.5 million. The £2m threat alone has already caused a cliff-edge drop in sales above the line and a bunching just below it, which distorts pricing all the way down the chain. A flat proportional property tax that replaced stamp duty would do far less damage. Fact two: Rightmove shows first-time buyer asking prices falling both month on month and year on year, national asking prices down about 1.8% year on year (a leading indicator), and buyer enquiries down 9%. That's good news for first-time buyers, who get more choice and less competition, but rising mortgage rates and youth unemployment are hitting that cohort hardest. Fact three: government borrowing is only down year to date because tax receipts are up, and spending is £7 billion over the OBR forecast. The gilt market punishes that with higher yields, which feed into higher mortgage rates, smaller buyer budgets and slower transactions. Fact four: PropertyMark reports transaction times at a record high. The root causes are agents overvaluing homes to win instructions, a proptech industry built to support that overvaluing, and poor conveyancing, and nothing in the government's plans tackles any of them. Fact five: BestAgent now lists more homes for sale in England and Wales than Rightmove, because Rightmove only carries agents who pay its subscription.

Watch the full livestream: https://www.youtube.com/watch?v=ChY2hHhzgnM
Support the show
Follow me on X for daily updates: https://x.com/moving_charlie 

🎥 Charlie's Golden rules videos for
Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 
Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs 
Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw

🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe

📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/

📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/

💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/

🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/
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5 Fact Friday: the housing market approaches peak pain as deal times reach a record high.

Full livestream: https://www.youtube.com/watch?v=ChY2hHhzgnM

Support the show
Follow me on X for daily updates: https://x.com/moving_charlie 

🎥 Charlie's Golden rules videos for
Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 
Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs 
Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw

🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe

📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/

📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/

💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/

🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/
...