Moving Home with Charlie (Charlie Lamdin)

The 2022 housing market caught everyone by surprise. 

2023 will see the consequences of that, and will be the most difficult year to move home for a generation. 2024 will get better, but for those of you who need to move in 2023, here's what you need to know. 

Buyers: make sure you have a mortgage in principle lined up if you want to be in with a chance of bagging a bargain. Try my magic mortgage guys, pop your details in here: https://mhwc.co.uk/mortgage

Follow me on Twitter for daily updates https://twitter.com/moving_charlie

All my other links: 

https://linktr.ee/movinghomewithcharlie


Conveyancing Crisis Story:
https://www.lawgazette.co.uk/news/metamorph-crisis-winding-up-orders-staff-unpaid-and-directors-quitting/5114582.article

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

A short thank you and Happy New Year to my almost 40,000 new followers and subscribers!

Meet my magic mortgage team: https://mhwc.co.uk/mortgage

All my other links:
https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

November 2022 mortgage approvals (Source: BoE) fell to 46,000, the lowest since April 2011 excluding the pandemic. 

https://www.mortgagefinancegazette.com/uncategorised/mortgage-approval-numbers-sink-close-2022-boe-04-01-2023/

(The 10 year average is 67,000). 

Is it a blip, a shock reaction to the mini budget? Or is it a sign of things to come? 

In this video we'll discuss that and the effect it may have on house prices. 

To bag a bargain home before the bottom, start by getting your mortgage lined up. If you don't have one, talk to my magic, hand picked mortgage guys here: https://mhwc.co.uk/mortgage 

All my other links here:
https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

As the reality of the housing market starts to sink in at a mainstream level, people are now starting to ask "how far will prices fall" and "how bad will the recession be". 

Join me as I discuss the market outlook for December, why I think the recession will be so 'horrible' and what it will do to house prices.

Please check out all the amazing graphs using official data that my friend and "quant guy" has published on Twitter which help to show why we're facing up to 40% house price falls and a very ugly recession. https://twitter.com/alexgroundwater/media

All my links:
https://linktr.ee/movinghomewithcharlie 

Find your next home or agent at my website https://bestagent.co.uk

Talk to my magic mortgage guys:
https://mhwc.co.uk/mortgage

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

In response to this Twitter poll I will be talking to an agent I have known a long time and have great respect for, Perry Power, owner and founder of the Power Bespoke estate agency brand in Surrey. https://www.perrypower.co.uk/ 

Come along and ask the tough questions, he can handle it! 

If you need to talk to a mortgage broker, meet my magic mortgage guys here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

Find your next home or your agent here: https://bestagent.co.uk

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

The Mexican Standoff between sellers and buyers is frustrating for both buyers and sellers alike. But that's nothing compared to the nightmare it's creating for estate agents trying to tie deals together so people can move.

Yesterday's video with the unrealistic seller's comments and the agent's comments.
https://www.youtube.com/watch?v=IBVjYyYAX3c&lc=Ugzbj8g7mQioWLOsnSd4AaABAg

https://www.linkedin.com/posts/charlie-lamdin-4231054_are-there-any-agents-who-can-give-a-credible-activity-7017165495711752192--aTc

If you need a mortgage or remortgage, talk to my hand-picked magic mortgage team. Pop your details in here and I'll put you in touch: https://mhwc.co.uk/mortgage

All my other links:

https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Buy now (if you want to), just don't overpay. That's my repeated message.

In this market, that usually involves offering below asking price, and many buyers are hesitant to do so.

Many movers don't want to wait until 2024 to move, they need to move sooner. So, if you want to buy in 2023 without overpaying, you need to have your wits about you and your negotiating hat on!

Remember the first thing you need is a mortgage in principle. If you don't have one, get yours here from my hand picked magic mortgage team: https://mhwc.co.uk/mortgage

All my other links here: https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

In August 2022 I did a video called "8 Reasons UK House Prices Will Collapse". Today I'm calling it: the collapse is underway.

https://www.persimmonhomes.com/corporate/media/news/2023/trading-statement-110123/

https://www.thetimes.co.uk/article/half-a-million-at-risk-of-mortgage-arrears-p60cd2zzd

https://www.barrattdevelopments.co.uk/~/media/Files/B/Barratt-Developments/press-release/2023/barratt-developments-1h-fy23-trading-update-final.pdf

Tesco: https://www.reuters.com/business/retail-consumer/britains-tesco-sticks-with-profit-outlook-after-strong-christmas-sales-2023-01-12/

https://www.telegraph.co.uk/business/2023/01/10/bank-england-cracks-buy-to-let-mortgages/

https://www.ons.gov.uk/peoplepopulationandcommunity/housing/articles/howincreasesinhousingcostsimpacthouseholds/2023-01-09

If you need a mortgage or remortgage pop your details in here: https://mhwc.co.uk/mortgage

All my other links:
https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

I got to speak to Mike Buxton who was sitting in for Danny Pike on BBC Radio Sussex for my first live broadcast. As it was my first one, I wanted to keep a record of it!

Just for posterity. I like to keep a record of these moments.

https://linktr.ee/movinghomewithcharlie 

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

It's no surprise that in today's Sunday Times Zoopla are saying prices won't fall. But this is confusing for sellers who are trying to set the right price for their home to sell, so they can move.

https://www.thetimes.co.uk/article/why-the-gloomy-house-price-predictions-for-2023-are-wrong-zcwmr8gqh

Watch the video of this livestream here: Sunday Seller's Dilemma Livestream. Sellers' silly prices?
https://youtu.be/F_fFtdtWCNg

Other sellers are being caught out trying to cash in, saying 'well we don't need to move anyway'.

Sellers have contacted me asking which agent's valuation to believe between Hamptons and Knight Frank who are 10% out.

Agents have called me telling stories of seller madness.

So, serious sellers, how do you set a saleable price so you can move?

All discussed in this podcast.

Talk to my whole of market brokers here: https://mhwc.co.uk/mortgage

Find your next home or agent here: https://bestagent.co.uk

All my links: https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

In this podcast:

1. Gov Confirms UK House Price Falls: -0.3% nationally, month-on-month in Nov 2022.
2. Why Estate Agents should "Dis-instruct" themselves from unrealistic sellers, or "fire their clients".
3. What to say when an agent says "the market is thriving" or "prices are up"
4. Interest Rate Update: Why you need to watch the economy if you want to know what will happen to interest rates and therefore house prices.

Watch the video of this podcast here: UK House Prices Officially Falling (at last)
https://youtu.be/hvVGKq4niAE

Get your mortgage in principle from my hand picked, personally trusted independent, whole of market magic mortgage men. Pop your details in here and I'll put you in touch: https://mhwc.co.uk/mortgage

All my other links:
https://linktr.ee/movinghomewithcharlie

Nov 22 House Prices - Office for National Statistics https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/housepriceindex/november2022

Dec 22 Rents - Office for National Statistics
https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/indexofprivatehousingrentalprices/december2022

Bank of England Deputy Governor Sir John Gieve on Interest Rates, Inflation, Recession, Wages. Starts at 2h43m https://www.bbc.co.uk/sounds/play/m001h412

2023 Global Inflation Outlook and the effect on Europe and the UK
Stephanomics Podcast: https://podcasts.apple.com/us/podcast/the-global-war-on-inflation-is-far-from-over/id1038108799?i=1000593960898

Bloomberg - Prices slip
https://www.bloomberg.com/news/articles/2023-01-18/uk-house-prices-slip-from-record-after-mortgage-rates-jump

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

A short podcast to help get the market moving by waking up unrealistic sellers.

Watch the original live stream video here: https://youtu.be/mZKYi-ZCskU

Surely with this data, it's now impossible for anyone to keep saying things haven't changed? Apparently not!

https://www.rics.org/uk/news-insight/latest-news/press/press-releases/housing-market-weakens-further-with-buyer-activity-continuing-to-fall/

https://www.fxstreet.com/economic-calendar/event/04e37486-f4aa-4a54-875b-62fae3b62486

https://uk.investing.com/economic-calendar/rics-house-price-balance-264

Buyers with a Mortgage in Principle have offers accepted faster than buyers without. Talk to my hand-picked magic mortgage guys, they're independent, whole of market brokers. Pop your details in here and I'll put you in touch: https://mhwc.co.uk/mortgage

All my other links:

https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Please copy and paste everything below and send to ANYONE who hasn't done their research on UK housing and how the economy will affect it.

HOUSE PRICES

UK House Prices Officially Falling in November 2022 (before mini budget effect fed through) WE STILL HAVEN’T YET SEEN the effect of Sep 2022 mini budget on House Prices
https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/housepriceindex/november2022

U.K. RICS House Price Balance survey at lowest since 2010
https://uk.investing.com/economic-calendar/rics-house-price-balance-264

Halifax Dec 2022 - Rate of annual growth slowed in all nations and regions during December
https://www.halifax.co.uk/assets/pdf/december-2022-house-price-index.pdf

Nationwide - House Prices fall for 4 consecutive months
https://www.nationwidehousepriceindex.co.uk/reports/annual-house-price-growth-continued-to-slow-sharply-as-2022-drew-to-a-close


MORTGAGES

Lenders reported that demand for secured lending for house purchase decreased in Q4, and was expected to decrease further in Q1.
https://www.bankofengland.co.uk/credit-conditions-survey/2022/2022-q4

Toughest time to get a mortgage in 15 years as banks brace for defaults
https://www.telegraph.co.uk/business/2023/01/19/toughest-time-get-mortgage-15-years-banks-brace-defaults/


NEW HOMES:

Barratt: Private reservations down from 0.79 (HY22) to 0.3 in December 22 - Down 78.6%
https://www.barrattdevelopments.co.uk/~/media/Files/B/Barratt-Developments/press-release/2023/barratt-developments-1h-fy23-trading-update-final.pdf

Persimmon: Private reservations of 0.83 for the year 2021, fell to 0.19 in Dec 2022 DOWN 77%
https://www.persimmonhomes.com/corporate/media/news/2023/trading-statement-110123/

Taylor Wimpey: 0.91 for full year 2021 fell to 0.68 for full 2022  - cancellation rate up 64% by Dec 2022.
https://www.taylorwimpey.co.uk/-/twdxmedia/files/head-office/corporate/reports-and-presentations/2023/tw---trading-statement-january-2023-final.pdf



ECONOMY

UK consumer mood slides back to near 50-year low - GfK
https://www.reuters.com/world/uk/uk-consumer-mood-slides-back-near-50-year-low-gfk-2023-01-20/

UK Retailer’s Worst Year Ever Caps Grim Outlook for Economy
https://www.bloomberg.com/news/articles/2023-01-20/uk-retail-sales-fall-unexpectedly-finishing-worst-year-on-record

Inflation - Target 2% - Currently 10.5% (yes ‘down’ from 10.7% ooooh!) - Even if halved, still highest since 1992
https://www.ons.gov.uk/economy/inflationandpriceindices/timeseries/l55o/mm23

UK Wage growth v Inflation (worst in over 20 years)
https://www.statista.com/statistics/1272447/uk-wage-gro

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Remember:

Be prepared (have mortgage in principle ready)
Buy now, just don’t overpay.
Make your max comfortable offer by email.
Leave it to simmer 4-7 days.
Disregard the guff (agentsplaining)
Don’t risk negative equity.


Talk to my magic mortgage guys if you don’t already have an independent, whole of market broker. Pop details in here and I’ll put you in touch:

https://mhwc.co.uk/mortgage

All my links:
https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

All my links: https://linktr.ee/movinghomewithcharlie

In preparation for my Radio 4 Interview, I did a lot of research on the New Homes situation. The interview itself didn't allow enough time for me to say everything I had to say, but I didn't want all the preparation to go to waste so here it is.

Hear the Radio 4 interview (segment starts at 44m20s) https://www.bbc.co.uk/sounds/play/m001hfc1


Top 35 Housebuilder Profit Margins
https://www.housingtoday.co.uk/story.aspx?storyCode=5115234&preview=1&hash=DCD1D60A98A86CC7112B45D1E8463F7C

Get your mortgage in principle from my hand picked magic mortgage guys before you offer. Pop your basic details in here and I'll put you in touch.
https://mhwc.co.uk/mortgage

Times Article - Housebuilding
https://www.thetimes.co.uk/article/a0fab762-9903-11ed-b166-62bd6c86c09d

Barratt: Private reservations down from 0.79 (HY22) to 0.3 in December 22 - Down 78.6%
https://www.barrattdevelopments.co.uk/~/media/Files/B/Barratt-Developments/press-release/2023/barratt-developments-1h-fy23-trading-update-final.pdf

Persimmon: Private reservations of 0.83 for the year 2021, fell to 0.19 in Dec 2022 DOWN 77%
https://www.persimmonhomes.com/corporate/media/news/2023/trading-statement-110123/

Taylor Wimpey: 0.91 for full year 2021 fell to 0.68 for full 2022  - cancellation rate up 64% by Dec 2022.
https://www.taylorwimpey.co.uk/-/twdxmedia/files/head-office/corporate/reports-and-presentations/2023/tw---trading-statement-january-2023-final.pdf

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

On a daily basis I get challenged, even by buyers, who can't believe that house prices will fall anything like as much as the 35% I've suggested.

In this podcast I will update everyone on my thinking and views on house price falls.

Watch the original livestream of this podcast on video: https://youtube.com/live/GMvp88rDm9M

https://www.telegraph.co.uk/property/house-prices/why-house-price-falls-could-even-worse-forecast/

Buyers with a Mortgage in Principle have offers accepted faster than buyers without. Talk to my hand-picked magic mortgage guys, they're independent, whole of market brokers. Pop your details in here and I'll put you in touch: https://mhwc.co.uk/mortgage

All my other links:

https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Tonight's topics:

IMF downgrades UK economic outlook
https://news.sky.com/video/imf-forecasts-uk-economy-will-fare-worse-than-any-other-country-in-developed-world-12800108

Mortgage Approvals Plummet
https://www.bankofengland.co.uk/statistics/money-and-credit/2022/december-2022

https://www.twindig.com/market-views/average-mortgage-rates-december-2022

Jan 23 Nationwide House Price Index figs will be published at this link at 7am Wed 1st Feb.
https://www.nationwidehousepriceindex.co.uk/reports

Bank of England Base Rate 0.5% Rise Expected - Thurs 2 Feb.

The 4 Golden Rules of Choosing Your Estate Agent
https://youtu.be/V9klZFpqhtk

All my other links:
https://linktr.ee/movinghomewithcharlie

My hand picked mortgage team:
https://mhwc.co.uk/mortgage/

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

6 months with no house price increase. Half a year of straight falls, before the full impact of the mini-budget feeds through.

It's now no longer reasonable to call this any kind of blip.

Nationwide Jan 2023 House Price Index:
https://www.nationwidehousepriceindex.co.uk/reports/2023-begins-with-further-slowing-in-annual-house-price-growth

YouTube Livestream of this episode https://youtube.com/live/F946DbLU0WE

Buyers with a Mortgage in Principle have offers accepted faster than buyers without. Talk to my hand-picked magic mortgage guys, they're independent, whole of market brokers. Pop your details in here and I'll put you in touch: https://mhwc.co.uk/mortgage

All my other links:

https://linktr.ee/movinghomewithcharlie

Support the show

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If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

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No one likes being lied to or manipulated but it happens to us all the time, especially in pressure sales tactics.

I hope this short video will help people recognise scenarios and know what to do about them.

https://linktr.ee/movinghomewithcharlie

**UPDATE** 

Got a response from a lawyer on this question:


"Misrepresentation wouldn’t apply in these circumstances because 
1. The estate agent isn’t a party to the contract
2. the standard conditions of sale (used in all residential transactions) specify that a buyer can only rely on representations from the seller’s solicitors in writing. Anything the estate agents say or put in the particulars of sale doesn’t form part of the contract and cannot be considered to induce the buyer into the contract. 
If the seller or the estate agent says something or promises something always get the seller’s solicitor to confirm it in writing. 
Also from a practical point of view misrepresentation is difficult to prove (was it really that particular comment that induced you into the contract?) and it would be expensive to go to court to try to rescind the contract or claim damages and buyers don’t often have the appetite to risk the time or cost of litigation proceedings"

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For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Alex Groundwater is a good friend from early school days, one of the rare ones I have kept in touch with.

He describes himself as:

"A Gen-X data enthusiast. Helping Bio-Techs build labs and manufacturing facilities for T Cell cancer therapies. mAB 🐀, reader, maths literate!"

I often refer to him, not seriously, as my "quant guy" on YouTube videos.

He wrote this short story about the income destruction of an imaginary wealthy middle class couple living in London to demonstrate the potential effects of the current inflation and interest rate we have in the economic environment in early 2023. 

You can find him here on Twitter
https://twitter.com/alexgroundwater

All my social links: https://linktr.ee/movinghomewithcharlie

Watch the video of this podcast here (although you can't see Alex in it!): https://youtu.be/-jfqG9Mqu34

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Alex Groundwater is a good friend from early school days, one of the rare ones I have kept in touch with.

We sat down for a casual conversation on a serious topic. How bad could the economy get?

I am an optimistic and happy guy. But, this is not a cheery or positive episode. We actively debate what the worst case scenario might look like. If you find gloomy outlooks difficult, depressing or triggering in any way, I would suggest giving this episode a miss. 

You can find him here on Twitter
https://twitter.com/alexgroundwater

The expression “Death in Poverty” came about in April 2020 due to concerns over long-term economic and health damage caused by Covid lockdowns which is now playing out as we watch ie. inflation, interest rates, house prices, 7.1M NHS waiting lists, public sector strikes etc

Two days after recording this video we fact-checked our own estimates and assumptions. We weren’t far off. 

Here is what Alex sent me:

“We weren’t that far off with £400Bn - in 2021 Housing contribution to GDP was £360Bn

Of that - imputed rent ie. not real rent was £225Bn - which feels right to me - given the value of old people’s mortgage free homes ie. Magic made up rent was 225/360 - 63% of all of housing’s contribution to GDP. 

The total GDP in 2021 was c. £2.2Tr - so total housing of £360Bn contributes 16.4%! We’re good at this! 

Totally magic imputed therefore contributes 10.2% 

We are therefore in EXACTLY the same position as the US in terms of using pretend rent and real rent to make it look like our economies are doing well. How can an asset that is not being produced - only lived in - be counted as domestic product worth over 16% of the economy? 

It’s not like manufacturing cars and selling them domestically and abroad. More smoke and mirrors! Or… as this is GDP calculated from expenditure - like buying a new car or ACTUALLY paying rent… when your house is mortgage free. 

https://www.ons.gov.uk/economy/nationalaccounts/satelliteaccounts/datasets/consumertrendschainedvolumemeasureseasonallyadjusted  

Here is an extract from a different ONS site (section 2): 

“Owner-occupiers’ imputed rental is an estimate of the housing services consumed by households who are not actually renting their residence. It can be thought of as the amount that non-renters pay themselves for the housing services that they produce.

As such, imputed rental should represent the economic value per period to home owners of their dwellings, equivalent to if they were to rent out their properties. By definition, however, a homeowner does not receive payment on their property, and so the payment must be "imputed". ……I

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If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

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The Bank of England set the base rate 0.5% higher at 4% today. Is this the new normal? Or will they go much higher? 
I had a 5 minute chat with my old friend and pundit Alex Groundwater to get his views on what's likely to happen with bank interest rates and why.

Alex Groundwater is a good friend from early school days, one of the rare ones I have kept in touch with.

He describes himself as:

"A Gen-X data enthusiast. Helping Bio-Techs build labs and manufacturing facilities for T Cell cancer therapies. mAB 🐀, reader, maths literate!"

I often refer to him, not seriously, as my "quant guy" on YouTube videos.

He wrote this short story about the income destruction of an imaginary wealthy middle class couple living in London to demonstrate the potential effects of the current inflation and interest rate we have in the economic environment in early 2023.

You can find him here on Twitter
https://twitter.com/alexgroundwater

All my social links: https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

We've just begun trialling some different national house price data at https://bestagent.co.uk that we hope will be more useful (or slightly less useless!) than existing Asking Price indices, to movers.

https://twitter.com/bestagentprop/status/1621270368513130496?s=20&t=YhACUXkLPTTyyPGVSLelMA

Please let me know your thoughts on how we can use this to help grow a better understanding of house price dynamics.

https://linktr.ee/movinghomewithcharlie

Watch this podcast on YouTube
https://youtube.com/live/9WZVBsiQfAs

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

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If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

In this podcast, Alex Groundwater and I react to some of the comments and reactions of the "Death in poverty" video. https://youtu.be/TQ8VZSqFfto

All my links: https://linktr.ee/movinghomewithcharlie

Video of this conversation: https://youtu.be/pjoKm1i0738

Support the show

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If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

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The answer is 'optimism bias' https://en.wikipedia.org/wiki/Optimism_bias

This is a dangerous and expensive mistake on the sellers part, if moving is essential.

Gov figures on Business Insolvencies: https://www.gov.uk/government/statistics/company-insolvency-statistics-october-to-december-2022/commentary-company-insolvency-statistics-october-to-december-2022

Guardian Story: https://www.theguardian.com/business/2023/jan/31/business-insolvencies-firms-go-bust-2022-england-wales

Watch the video of this podcast: https://youtube.com/live/a-HU_ujbpAs

Talk to my magic mortgage guys if you don’t already have an independent, whole of market broker. Pop details in here and I’ll put you in touch:

https://mhwc.co.uk/mortgage

All my links:
https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch this podcast on YouTube to see the graphics
https://youtube.com/live/EYp1qpBwQhg

Martin Lewis' twitter poll on House Prices
https://twitter.com/MartinSLewis/status/1623033924308897816?s=20&t=jrEAMx4MTOpT2wTHUivgrQ

16 Verifiable Reasons UK House Prices are Crashing
https://youtu.be/pmwKQ3hMvxQ

8 Reasons UK House Prices will Collapse - Aug 2022
https://www.youtube.com/watch?v=vL6rg_wq6r0

10 Reasons House Prices are Falling - Sept 2022
https://www.youtube.com/watch?v=jRjMEqYcilk

4 Reasons UK House Prices will fall 35% - Nov 2022
https://youtube.com/live/G9NwPHMx2w8

"Protecting Homes and Mortgages is a vested Interest for All"
https://twitter.com/MartinSLewis/status/1579497563174367232?s=20&t=Szfk5vmtzReRvJF4hIRgUQ

Bloomberg Article https://www.bloomberg.com/news/articles/2023-02-08/uk-may-avoid-recession-but-1-in-4-unable-to-pay-their-bills?srnd=premium-uk

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast on YouTube: https://youtube.com/live/ckDxHywMz2s?feature=share 

We're 'not in recession'! Prepare for fresh gaslighting guff from many in the moving and mortgage industries.

Technically, with (as yet unrevised) Q4 2022 GDP at 0,0%, or 'flat', the UK escaped a technical recession by the skin of its teeth!

"Britain is much worse off than it understands"
https://foreignpolicy.com/2023/02/03/britain-worse-off-1970s/

https://www.ons.gov.uk/economy/grossdomesticproductgdp/bulletins/gdpmonthlyestimateuk/december2022

1. 2022 growth down to 4.1% (from 7.4% in 2021)
2. December contraction of -0.5% worse than expected (-0.3%)
3. Consumer services output fell -1.2%
4. Also, Nov Construction revised down

Buyers with a Mortgage in Principle have offers accepted faster than buyers without. 

Talk to my hand-picked magic mortgage guys, they're independent, whole of market brokers. Pop your details in here and I'll put you in touch: https://mhwc.co.uk/mortgage

All my other links:

https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this discussion at https://youtu.be/zNzFabjAais

Find Alex on Twitter at https://twitter.com/alexgroundwater

Changes to National Accounts: Imputed Rental
https://www.ons.gov.uk/economy/nationalaccounts/uksectoraccounts/articles/changestonationalaccounts/imputedrental

Sex Worker GDP
https://www.ons.gov.uk/economy/nationalaccounts/satelliteaccounts/timeseries/mnc8/bb

All my links: https://linktr.ee/movinghomewithcharlie



For the full video on how to choose the best estate or letting agent:
https://youtu.be/d21Q1BUaKAE

4 Golden Rules Video
https://www.youtube.com/watch?v=V9klZFpqhtk

4 Golden Rules Blog
https://bestagent.co.uk/the-4-golden-rules-of-how-to-choose-your-estate-agent/

Find an agent to sell or let your home:
https://findyouragent.bestagent.property/

Want to find your next home? 
https://bestagent.co.uk/

Follow Charlie:
https://twitter.com/moving_charlie
https://www.facebook.com/MovingHomeWithCharlie
https://www.linkedin.com/in/charlie-lamdin-4231054/
https://www.instagram.com/movinghomewithcharlie/
https://www.tiktok.com/@movinghomewithcharlie

To find out everything you need to know about moving home go to:
https://mhwc.co.uk/

How estate and lettings agents move people
https://bestagent.co.uk/diagram-how-lettings-and-estate-agents-move-people/

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here: https://youtu.be/JTPC5zG1NR8

Bank Of England website page on CBDC
https://www.bankofengland.co.uk/the-digital-pound

All my links: https://linktr.ee/movinghomewithcharlie

Alex on Twitter: https://twitter.com/alexgroundwater

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Moving home is not about money. Watch the video of this livestream here: https://youtube.com/live/TRxMUHgZtLo

But all the people who make their living from the moving industry think it is.

Oh, and unfortunately the UK economy (GDP) is linked to house prices too.

We're about to get our Cold Turkey.

https://mhwc.co.uk/mortgage

https://linktr.ee/movinghomewithcharlie

John Stepek's Bloomberg article: https://www.bloomberg.com/news/newsletters/2023-02-13/what-if-uk-inflation-stays-high-what-does-it-mean-for-investors

Sign up for John's "Money Distilled" free email newsletter. It's really good:
https://www.bloomberg.com/account/newsletters/uk-wealth

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

I'm being asked almost every day, "Charlie, why do you think house prices will fall 35%? I just don't see it."

I'm going to try and explain it a different way tonight.  Watch the video of this podcast here: https://youtube.com/live/6RX8m5AL3sY

First Time Buyers:
https://www.bloomberg.com/news/articles/2023-01-03/first-time-buyers-made-up-over-half-of-uk-home-purchases-in-2022
Landlord Exodus:
https://www.telegraph.co.uk/property/buy-to-let/london-landlord-exodus-mortgage-rates-destroy-profits/
Second Homes:
https://www.google.com/search?q=second+homes&rlz=1C5CHFA_enGB899GB900&source=lnms&tbm=nws&sa=X&ved=2ahUKEwjqsNzI-Zr9AhVXilwKHUNmDAEQ_AUoAXoECAEQAw

Professional Investors:
https://www.telegraph.co.uk/property/buy-to-let/inside-frenzied-buy-to-let-investor-exodus/

Economy: https://www.bloomberg.com/news/articles/2023-02-08/uk-may-avoid-recession-but-1-in-4-unable-to-pay-their-bills

Propertymark - Properties for sale increased 50%: https://www.propertymark.co.uk/resource/housing-insight-report-september-2022.html

RICS Buyer demand:
https://www.theguardian.com/business/2023/feb/09/uk-property-demand-house-prices-england-rics

Here are 38 itemised reasons if you haven't seen any of these:

16 Reasons: https://www.youtube.com/watch?v=pmwKQ3hMvxQ
10 Reasons: https://www.youtube.com/watch?v=jRjMEqYcilk
8 Reasons: https://www.youtube.com/watch?v=vL6rg_wq6r0
4 reason: https://youtube.com/live/G9NwPHMx2w8

But you should still buy now if you can, just don't overpay!

https://mhwc.co.uk/mortgage

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

In this video, I'll break down all the different reasons average asking prices can go up when prices are going down.

Watch this livestream on video here: https://youtube.com/live/PW52lcsO1_Q

35% drop explanation video: https://www.youtube.com/watch?v=6RX8m5AL3sY

Charlie says: https://www.twindig.com/market-views/property-market-insights-170223

Bloomberg 40% collapse Podcast
https://origin.www.bloomberg.com/news/articles/2023-02-17/podcast-the-collapse-of-the-uk-housing-market-may-be-coming

Camden Prices Jump 17%
https://www.bloomberg.com/news/articles/2023-02-20/north-london-property-prices-jump-as-buyers-return-to-capital?srnd=premium-uk

House Price Graph showing RM v Halifax v Nationwide since 2007
https://twitter.com/RichardDias_CFA/status/1627637472191516675?s=20

Population Decline
https://www.ft.com/content/7a558711-c1b8-4a41-8e72-8470cbd117e5

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

If home movers understood this one point, no one would hate estate agents.

I have to try and debunk this myth on "how to choose an estate agent".

Do not, ever "Pick 3".

Watch this livestream on video: https://youtube.com/live/qep5_4almKM

https://www.thisismoney.co.uk/money/mortgageshome/article-11764171/How-choose-estate-agent.html

My 'Reaction' to Phil Spencer's advice on choosing an agent.
https://youtu.be/7NImhIIqVLQ

Do try bestagent.co.uk to find an agent. It's why we built it.

All my links: https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Does this mean sellers are asking higher prices? No. All explained in this video.

https://bestagent.news/country/england/

Rightmove Feb prices
https://www.reuters.com/world/uk/uk-property-asking-prices-show-weakest-february-gain-record-rightmove-2023-02-20/

RM HPI Methodology Statement
https://www.rightmove.co.uk/house-price-measures.html

Lloyds Annual Report House Price Forecast
https://www.lloydsbankinggroup.com/assets/pdfs/investors/financial-performance/lloyds-banking-group-plc/2022/full-year/2022-lbg-fy-results-presentation.pdf

Talk to my magic mortgage guys here:
https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

Watch the video of this podcast here: https://youtube.com/live/mUt88ndBUC4

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Getting moved into a home you want to live in is more important than saving a few thousand quid (as long as you aren't over-extending yourself).

I'm quite critical of Chris Watkin's market commentary in this video, because I think he's making a mistake. But I have enormous respect and affection for him.  

Don't miss out on a move because you prioritised money over the move. Make the move. You'll forget the money.

Watch the video of this podcast here: https://youtu.be/WezhNGMP1tU

All my links: https://linktr.ee/movinghomewithcharlie

Links from the podcast:

Bloomberg Article on Top End Market deals collapsing.
https://www.bloomberg.com/news/articles/2023-02-24/-14-million-escape-from-hellish-london-property-deal-falls-apart?srnd=premium-uk

Chris Watkins stats show - week 7 2023
https://youtu.be/eZtp4bfbdRA

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

This podcast accompanies this Blog Page:
https://mhwc.co.uk/blog/rising-supply-and-asking-prices-mask-sharp-falls-in-home-sale-prices/

Watch the video of this episode here: https://youtu.be/Oo_GbAxjgek

BestAgent Data for England only as at 26 Feb 2023
--------------------------------
Unsold Homes for Sale    228,101
Median    £310,000
Avg    £425,246
--------------------------------
'Sold STC' homes         125,229
Median    £284,950
Avg    £355,643
--------------------------------

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here: https://youtube.com/live/IEYsERJR-0k

2022 had lowest transactions since 2013 - Housing Stig

MHWC Newsletter for BestAgent data releases: http://eepurl.com/h9zgJz

Get your mortgage in principle from my trusted hand picked mortgage guys here: https://mhwc.co.uk/mortgage

https://www.telegraph.co.uk/property/house-prices/house-prices-will-have-fall-20pc-year-avoid-mortgage-crisis/

https://www.bloomberg.com/news/articles/2023-02-28/uk-homebuyers-are-getting-the-best-discounts-in-over-five-years

Only falling inflation will save us from a crash - Express
https://www.express.co.uk/finance/personalfinance/1739846/house-price-crash-property-prices-interest-rates-mortgage-rates

Inflation persistent
https://www.bloomberg.com/news/articles/2023-02-27/uk-firms-plan-more-hiring-and-price-rises-despite-recession?srnd=premium-uk

BestAgent weekly data blog
https://mhwc.co.uk/blog/rising-supply-and-asking-prices-mask-sharp-falls-in-home-sale-prices/

Swap Rates
https://twitter.com/moving_charlie/status/1630303168587345921/photo/1

Mortgage rates increasing - INews
https://inews.co.uk/inews-lifestyle/money/property-and-mortgages/uk-mortgage-rates-increase-brokers-2178442

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Announcement: I'm trialling my first paid-subscriber thing, initially just for First Time Buyers.

If the experiment works, it'll be £25 per month, quit anytime. But for the first 50 people I'll be running it at £10 per month while I refine it.

To join the £10 pm group, click here: https://www.buymeacoffee.com/mhwc/membership

Watch the video of this podcast here: https://youtube.com/live/EwP-ecALkhU

Talk to my mortgage guys: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

Too much news in the property market to keep up with. I'll do my best to bring you all up to date.

Focusing on what sellers need to do if moving is a must.

You can "buy me a coffee" if you think my videos are worth it. https://www.buymeacoffee.com/mhwc

Get your mortgage advice from my hand picked trusted brokers here: https://mhwc.co.uk/mortgage

https://www.theguardian.com/business/2023/mar/01/uk-mortgage-market-contracts-for-fifth-month-after-liz-truss-mini-budget

https://www.bloomberg.com/news/newsletters/2023-03-01/uk-house-prices-are-already-down-11-in-real-terms?srnd=premium-uk

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Please let me know what you think of this new format. It will be in addition to all the existing livestreams and sporadic other videos!

First Time Buyers who would like trial access to member-only livestream Q&A, all questions answered, private messages answered, and early access to bestagent data releases, join here: https://www.buymeacoffee.com/mhwc/membership

Only 23 spaces left at time of publishing!

FACT 1: BestAgent data shows new homes coming on 4 times faster than sales being agreed.
https://mhwc.co.uk/blog/rising-supply-and-asking-prices-mask-sharp-falls-in-home-sale-prices/
Video commentary on BestAgent data: https://youtu.be/Oo_GbAxjgek

FACT 2: Year on Year House Price Growth turns negative
https://www.nationwidehousepriceindex.co.uk/reports/annual-house-price-growth-turns-negative-in-february-falling-to-its-weakest-level-since-2012

https://www.bloomberg.com/news/articles/2023-03-01/uk-house-prices-slide-at-sharpest-annual-pace-since-2012

My Tweet: https://twitter.com/moving_charlie/status/1630979894124347406?s=20

FACT 3: SONIA Swap Rates climb 0.75% in 4 weeks https://twitter.com/moving_charlie/status/1631701609116729373?s=20
https://www.chathamfinancial.com/technology/european-market-rates#view

FACT 4: Jan 2023 Mortgage Approvals lowest since 2009. https://tradingeconomics.com/united-kingdom/mortgage-approvals
https://www.bloomberg.com/news/articles/2023-03-01/uk-mortgage-approvals-fall-to-lowest-since-first-lockdown

FACT 5: House builders issue profit warnings and job cut intentions
https://www.thisismoney.co.uk/money/markets/article-11806785/Persimmon-warns-profits-slashes-dividend-75.html

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast: https://youtube.com/live/EHrD94pFZpM

Join the experimental First Time Buyers Members Group - 12 places left: https://www.buymeacoffee.com/mhwc/membership

Agents: Subscribe to the BestAgent YouTube channel here: https://youtube.com/bestagents

If you don't already have trusted mortgage broker, talk to my hand picked guys here: https://mhwc.co.uk/mortgage

1. Phase 1 Begins - Charlie Sees A Change in the Market:
Feb 22 video: https://www.youtube.com/watch?v=LXM3leMBmWg

2. Phase 1 Underway: Charlie warns agents of a Housing Market Downturn: https://youtube.com/live/O7r4v9alLF8

3. Phase 1: In full Swing: The video that launched this channel: August 2022: https://youtu.be/vL6rg_wq6r0

600,000 businesses fear they'll go bust in 2023
https://news.sky.com/story/hundreds-of-thousands-of-small-businesses-may-fold-this-year-wiping-12bn-from-economy-report-says-12826983

Housing Stig's Graphs on mortgages v prices:
https://twitter.com/alexgroundwater/status/1632495667049291779

All my links: https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here: https://youtube.com/live/R7-ks0Vb-MQ

6 Spaces left on the First Time Buyers Members Livestream Club experiment. Join here: https://www.buymeacoffee.com/mhwc/membership

Tues 7 March - Halifax HPI shows prices increasing. How can it be?

https://www.halifax.co.uk/assets/pdf/february-2023-house-price-index.pdf

Mortgages here: https://mhwc.co.uk/mortgage

All my other links including Discord: https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here: https://youtube.com/live/0fABe58L4t0

My trusted mortgage partners:
https://mhwc.co.uk/mortgage

A regular question I'm getting from buyers and sellers (and even a few agents!) is, how do we work out what the fair price for a property is in the current market?

There is no formula for this, but I can share with you a technique that I hope will help.

Mortgage Broker: Buy to Let is Dead
https://www.telegraph.co.uk/property/buy-to-let/mortgage-expert-buy-to-let-dead-buried/

Free Bloomberg Podcast: Why Inflation may not come down to 2% https://omny.fm/shows/merryn-talks-money/why-inflation-may-not-be-heading-back-to-2

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Merch is out! https://movinghomewithcharlie.myshopify.com/

Watch the video of this podcast here: https://youtube.com/live/-YZjMAOawqM

https://www.rics.org/content/dam/ricsglobal/documents/market-surveys/uk-residential-market-survey/2._WEB_February_2023_RICS_UK_Residential_Market_Survey.pdf

In this podcast I dig into the latest RICS survey

Links to stories from the show:

https://thenegotiator.co.uk/housing-market-stability-forecast-for-2023-rics/

https://propertyindustryeye.com/uk-housing-market-showing-signs-of-improvement-but-asking-prices-come-under-pressure/

https://www.estateagenttoday.co.uk/breaking-news/2023/3/rics-highlights-tentative-signs-of-recovery-in-buyer-demand

https://www.twindig.com/market-views/rics-housing-market-survey-february-2023

https://www.rics.org/news-insights/market-surveys/uk-residential-market-survey

https://www.thetimes.co.uk/article/more-than-half-of-house-sales-below-asking-price-says-rics-snfc9zcpw

https://www.theguardian.com/business/2023/mar/09/uk-house-prices-could-be-stabilising-despite-falls-say-surveyors

https://www.telegraph.co.uk/property/house-prices/properties-worth-500000-bear-brunt-house-price-crunch/

https://www.ft.com/content/c4f269f3-254c-44bb-92d4-aae5c3b0f5fb

https://www.bloomberg.com/news/newsletters/2023-03-09/the-uk-housing-correction-continues

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Five Facts on Friday 10th March 2023 - Watch the video of this podcast here: https://youtube.com/live/r_8XSEFQMik

1. BestAgent Housing Data - Median Sold Asking Price Down 1.75% in 2 weeks in March
https://bestagent.news/country/england/

2. RICS Feb Survey - Worst price sentiment since 2009
https://www.rics.org/content/dam/ricsglobal/documents/market-surveys/uk-residential-market-survey/2._WEB_February_2023_RICS_UK_Residential_Market_Survey.pdf

3. ONS: Mortgage costs up 61% year to Dec 22 https://www.ons.gov.uk/peoplepopulationandcommunity/housing/articles/monthlymortgagerepaymentsup61foraveragesemidetachedhomeintheuk/2023-03-08

4. Halifax Feb Prices Up 1.1%
https://www.halifax.co.uk/assets/pdf/february-2023-house-price-index.pdf

5. Charlie says agents called him to say lots more property coming on the market... (you'll just have to decide if you believe him or not!)

but it is a fact that the Disregard the Guff merch is out! https://movinghomewithcharlie.myshopify.com/

Mortgages here: https://mhwc.co.uk/mortgage

All my other links including Discord: https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

This is a recording of the first ever paid members live stream. It was an experiment recorded on Sunday 12 March 2023.

See the video of this podcast here: https://youtube.com/live/YWI8Cx3W_N0

The aim is to provide insights specific to first time buyers, in particular in your dealings with estate agents.

If you don't already have one, I have hand picked a selection of mortgage brokers I trust and you can contact them here: https://mhwc.co.uk/mortgage

If you have any private messages or feedback for me, please message me via the https://buymeacoffee.com/mhwc page.

Thank you for joining me on this journey, I hope I can help!

All the best in the hunt for your home. Charlie

Links from the video:

1. Stamp Duty: https://www.gov.uk/stamp-duty-land-tax

2. Mortgage Brokers, sometimes free, sometimes a fee payable in advance of £200-£500.
My mortgage partners: https://mhwc.co.uk/mortgage

3. CONVEYANCING EXAMPLE SPECIMEN (not a quote!)
Sale of Regional Freehold Property with value  c.£300k
Sale:
Legal Fees £ 1,250.00
VAT at 20% £ 250.00
Supplements
Mortgage Lender Fee (If Applicable) £ 100.00
Bank Transfer Fee (Per Transfer) £ 45.00
Enhanced Electronic ID Fee (Per Client) £ 15.00
VAT at 20% £ 32.00
Disbursements
Land Registry Fees £ 6.00
Total (Including VAT): £ 1,698.00

Search Pack (If Required) £ 325.00

If leasehold:
Leasehold Fee £ 350.00

4. Surveyors. Several types:

- A mortgage valuation is a specific type of assessment done by the mortgage lender to help them confirm the property’s value. It’s also used to see if the property will be a suitable security for the loan you’ve applied for. Your lender will usually arrange a mortgage valuation. Some are offered free, typically they start at £250, and can easily reach £1,000 if you're not careful and choosy.

RICS Home Surveys - a highly recommended step. What's the condition of the home?
https://www.ricsfirms.com/residential/moving-home/surveys/rics-consumer-guide-home-surveys/

The 10 step timeline:

1. Deposit Funds in place, with proof. 
2. Making the decision to buy (get a mortgage broker now)
3. Knowing what you want.
4. Registering with agents (being prepared)
5. Booking Viewings (line up a conveyancer now)
6. Viewing Properties
7. Making Offers
8. Ag

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

TO BE CLEAR: I AM NOT EXPECTING A BANKING CRISIS IN THE UK ANYTIME SOON. - 12 March 2023

Watchthe video of this podcast here: https://youtube.com/live/0KNiCUswZGM

Banking Uncertainty Persists
https://www.bloomberg.com/news/articles/2023-03-12/markets-at-risk-of-more-upheaval-as-banking-uncertainty-persists

Hundreds of UK firms will find they can't pay bills or staff on Monday.
https://www.bbc.co.uk/news/business-64930944

https://www.telegraph.co.uk/business/2023/03/12/treasury-planning-cash-lifeline-companies-hit-silicon-valley/

This is a public livestream on Sunday at 9pm in response to the Bank of England intervening over the collapse of the London branch of Silicon Valley Bank.

https://www.politico.eu/article/silicon-valley-bank-collapse-sets-off-scramble-in-london-to-shield-uk-tech-sector/

However, it would be foolish to disregard the tremor in the American banking sector (2nd largest US bank failure in history)

The purpose of this video is to share my thoughts with anyone who is interested about what's happening, what it might mean, and what, if anything, anyone needs to do about it.

All my links: https://linktr.ee/movoinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

The downward trend in prices will continue for a long time yet, whatever happens. In this video I explain why.

Watch the video of this podcast: https://youtu.be/hO-_tcdSjwY

Moody's downgrades entire banking sector
https://www.bbc.co.uk/news/business-64949786

Facebook (Meta) to lay off 10,000 more staff
https://www.bloomberg.com/news/articles/2023-03-14/meta-to-cut-10-000-jobs-eliminate-5-000-more-vacant-positions?srnd=premium-uk

Apple Cost Cutting Story
https://www.bloomberg.com/news/articles/2023-03-14/apple-delays-bonuses-for-some-divisions-as-it-scrutinizes-costs-aapl?srnd=premium-uk

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Video of this podcast: https://youtu.be/8oF4QAeLo6I

Story links:

Budget:
https://www.linkedin.com/posts/the-home-builders-federation_hbf-response-spring-budget-2023-activity-7041818666018971648-m_xr

Credit Suisse:
https://www.telegraph.co.uk/business/2023/03/15/bank-england-emergency-talks-crisis-deepens-credit-suisse/

https://www.bloomberg.com/news/articles/2023-03-15/credit-suisse-to-get-liquidity-backstop-if-needed-snb-says

https://www.bbc.co.uk/news/business-64964881

https://twitter.com/high_fades/status/1636143507650797568?s=20

All my links: https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this livestream: https://youtube.com/live/RizjywJj1vM

My hand picked mortgage brokers: https://mhwc.co.uk/mortgage

The more news you watch, the harder it is to make head or tail of what's happening and whether it affects you.

Join me and my old friend Alex Groundwater, aka "Housing Stig" at 8pm as we dissect the events of the last 2 weeks.

FCSS £1m fund protection for 6 months: https://www.fscs.org.uk/making-a-claim/claims-process/temporary-high-balances/

Find him on Twitter here:
https://twitter.com/alexgroundwater

Today's Stories
https://www.telegraph.co.uk/property/news/homeowners-pull-properties-sale-buyers-make-low-ball-offers/

Hikes Hit Home finally.
https://www.bloomberg.com/news/articles/2023-03-16/svb-to-credit-suisse-central-banks-rate-hikes-finally-hit-home

Bank of England Q4 2022 Mortgage Stats https://www.bankofengland.co.uk/statistics/mortgage-lenders-and-administrators/2022/2022-q4

First Time Buyer Advice Playlist: https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here: https://youtube.com/live/etxvScog0k0

Story links:

https://twitter.com/moving_charlie/status/1636420008292106247?s=20

https://www.bankofengland.co.uk/statistics/mortgage-lenders-and-administrators/2022/2022-q4

https://www.telegraph.co.uk/property/news/homeowners-pull-properties-sale-buyers-make-low-ball-offers/

https://www.ons.gov.uk/employmentandlabourmarket/peopleinwork/employmentandemployeetypes/bulletins/averageweeklyearningsingreatbritain/march2023

https://www.bbc.co.uk/news/business-64986520

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this livestream here: https://youtube.com/live/djr2feyR3Y4

Credit Suisse hybrid private takeover/gov bailout (not nationalised or wound down). https://www.bloomberg.com/news/live-blog/2023-03-15/credit-suisse-in-crisis?srnd=premium-uk

HSBC Shares down 6% - https://www.bloomberg.com/news/articles/2023-03-20/hsbc-shares-tumble-in-hong-kong-on-risky-bond-exposure-concerns

$17bn AT1 bond wipeout https://www.reuters.com/business/finance/credit-suisse-writes-down-17-bln-bonds-zero-angering-holders-2023-03-19/

Federal Reserve Emergency Liquidity Action: https://www.reuters.com/business/finance/fed-other-central-banks-set-joint-liquidity-operation-2023-03-19/

Depositors irrationally moving from small to big banks.

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here: https://youtube.com/live/_589ZSKG5hY

Tonight, I'm talking about making the decision to move home, or not.

Mortgages: mhwc.co.uk/mortgage

I am here for MOVERS. Anyone moving home. Anyone buying a home, or selling a home, or both, or renting a home, or renting out their home so someone else can have a home. 

I am NOT here for investors.

But most of all, I am not responsible for anyone else's lives or decisions. 

I share my insights which I hope are valuable.

I share my opinions, in the hope they may help you with your decision making. 

For the avoidance of doubt, it remains my view that, on average across the UK, house prices have fallen (more than reported so far), are falling right now, and will continue to fall for some time. 

That's my view, but it doesn't mean I'm right! You have to decide for yourself what's happening in the market you want to live in.

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

I'm here for you guys, ask away, I'll do my best to help. 

My mortgage guys are here: https://mhwc.co.uk/mortgage

Thanks again for your support.

All my other links: https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Feb 2023 inflation figures caught everyone by surprise.

A simulcast of the BestAgent Breakfast Show livestream. Watch the video here: https://youtube.com/live/lrZZgdZWN08

https://www.dailymail.co.uk/news/article-11889043/Inflation-rises-10-4-defying-expert-predictions-ONS-figures-show.html

https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/consumerpriceinflation/february2023

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Join the Buyers Private Live Q&A Group here:
https://www.buymeacoffee.com/mhwc/membership

Watch a video of this podcast here: https://www.buzzsprout.com/2109129/12497007

Follow Housing Stig on Twitter: https://twitter.com/alexgroundwater

January House Prices fall 1.1% month on month
Feb inflation jumps back up to 10.4%

My mortgage guys are here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

What if house prices go back up and you miss the market?

Watch the video of this podcast here: https://youtube.com/live/a1oOT6Emexc

Despite the overwhelming data to show that on a national average basis, house prices are falling and that fall has only just begun, there is still fear among some buyers that prices might not keep falling and if they wait too long they'll 'miss the bottom'.

Soon after be doing another Private Buyers Live Q&A for buyers who have joined the group. If you'd like to join you can do so here, until all places are taken. https://www.buymeacoffee.com/mhwc/membership

I've been getting messages such as "I could buy now, but I don't want to if prices are falling, but I'm also worried that if I don't buy now, they might go back up and I'll be too late."

In this video I'll share my technique for solving impossible dilemmas, and hope it helps you.


All my other social and website links: https://linktr.ee/movinghomewithcharlie

My hand picked mortgage guys: https://mhwc.co.uk/mortgage

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this livestream: https://youtube.com/live/bTvBAY7rrEk

This was an accidental broadcast that should only have gone out on the BestAgent youtube channel for Agents only! But hey, everyone's welcome.

Inflation in Shops hits record high. What does this mean for property transactions?

https://www.theguardian.com/business/2023/mar/28/uk-supermarket-inflation-record-high-bargains-prices

All my links: https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

This is for the "Buy Me A Coffee" membership group of buyers.

This is published one month after recording. Watch the video of this episode here: https://youtube.com/live/qU-m-i3ZVMw

It's all about answering as many of your questions as I can. In this episode, Housing Stig will be taking some questions too.

If you want to join the group, there are still spaces left, you can join here:

https://buymeacoffee.com/mhwc/membership

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

It's time for 5 Fact Friday AGAIN. Watch the video of this podcast here: https://youtube.com/live/fsSqjfCO8IE

1. Feb New mortgage approvals https://www.bankofengland.co.uk/statistics/money-and-credit/2023/february-2023
2. Retail Inflation Reaches Record https://www.forbes.com/uk/advisor/personal-finance/2023/03/28/household-finances-updates/
3. Rents Rise at Record Rates https://inews.co.uk/inews-lifestyle/money/rents-high-afford-report-2241088
4. Nationwide March House Price Index down 3.1% annually https://www.nationwidehousepriceindex.co.uk/reports/house-prices-record-seventh-consecutive-monthly-decline-in-march
5. End of Help To Buy https://todaysconveyancer.co.uk/help-buy-treasury-1-8bn-profit-scheme-comes-end/

Bonus Fact: Record numbers of price drops: https://propertyindustryeye.com/what-is-actually-happening-in-the-uk-housing-market-4/

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

https://buymeacoffee.com/mhwc

Watch the video of this podcast here: https://youtube.com/live/hNkyLZyly2Q

https://mhwc.co.uk/mortgage

https://www.linkedin.com/posts/russell-quirk_uk-house-prices-in-biggest-fall-since-2009-activity-7047467541669011457-Qc8n?utm_source=share&utm_medium=member_desktop

https://www.twindig.com/market-views/mortgage-approvals-february-2023

https://twitter.com/richard_donnell/status/1642446174874480641?s=20

https://www.bbc.co.uk/news/business-65135405

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this livestream here https://youtube.com/live/OajT8fdLqV0

A last minute invitation to talk on BBC Radio Kent about the property market, in particular coastal properties. 

Support the show

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

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Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here: https://youtube.com/live/pl85FKH_ZMk

The five facts affecting housing in the UK this week (even if they aren't convenient for me!)

https://www.halifax.co.uk/media-centre/house-price-index.html

https://www.zoopla.co.uk/discover/property-news/zoopla-house-price-index-march-2023/

https://propertyindustryeye.com/britains-fastest-selling-market-revealed/

https://www.bbc.co.uk/news/business-65206409

https://www.bankofengland.co.uk/minutes/2023/sonia-stakeholder-advisory-group-15-march-2023

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast: https://youtube.com/live/GOkX9mVWd0w

Have we hit the bottom? Should you buy now? Here's why I don't think so.

https://www.halifax.co.uk/assets/pdf/march-2023-house-price-index.pdf

https://www.nationwidehousepriceindex.co.uk/reports/house-prices-record-seventh-consecutive-monthly-decline-in-march

https://www.gov.uk/government/publications/about-the-uk-house-price-index/comparing-house-price-indices-in-the-uk

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here:  https://youtube.com/live/XSxjpiEY6do

If you enjoyed that podcast or found it helpful, you can 'buy me a coffee'! https://www.buymeacoffee.com/mhwc
Housing Guff is in Overdrive. Let me clear the air for you.

Keep Calm, Zoom Out, Move because you Need a new Home.

Alex (Housing Stig) on Twitter: https://twitter.com/alexgroundwater

The 10 steps of buying a home:
https://youtube.com/live/YWI8Cx3W_N0?feature=share

My Hand Picked Mortgage Guys: https://mhwc.co.uk/mortgage

Private Buyers Livestream Group: https://www.buymeacoffee.com/mhwc/membership

All My Links:
https://linktr.ee/movinghomewithcharlie.

Mortgage Defaults Rise
https://www.bloomberg.com/news/articles/2023-04-13/uk-banks-plan-to-curb-mortgage-supply-as-defaults-rise-boe-says

RICS March 2023 Survey
https://www.rics.org/content/dam/ricsglobal/documents/market-surveys/uk-residential-market-survey/3._WEB_March_2023_RICS_UK_Residential_Market_Survey.pdf

Bank of England Q1 2023 Mortgage Lending
https://www.bankofengland.co.uk/credit-conditions-survey/2023/2023-q1

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

It's Friday 14 April. Here are 5 (verifiable, quantifiable, historical) facts from this week that have an impact on the housing market. Housing Stig joins me to comment.

Watch the video of this livestream here: https://youtube.com/live/6l3ZlWCTXfE

My hand picked mortgage brokers: https://mhwc.co.uk/mortgage

All my links: https://linktr.ee/movinghomewithcharlie

Links to the 5 Facts:

1. RICS: prices falling and expected to continue
http://bit.ly/41wcDWT

2. Online Job Vacancies down 18% on last year: ONS
http://bit.ly/3GJTit0

3. Mortgage Defaults Rising http://bit.ly/3octCPz

4. Mortgage Supply Reducing: https://www.bankofengland.co.uk/credit-conditions-survey/2023/2023-q1

5. New Build Sales Fall: https://archive.is/eqZOg

Support the show

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

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Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Charlie and Alex zoom out to chat about the big picture of UK housing.

Watch the video of this podcast here: https://youtube.com/live/rTA7uoeLoBM

Join the Private Buyers Club here: https://www.buymeacoffee.com/mhwc/membership

This article appeared in The Times on Friday 14 April, discussing whether the Baby Boomers housing privilege has become dangerous for society as a whole.   
https://archive.ph/fbNE6

The "Death in Poverty" discussion video: https://youtu.be/TQ8VZSqFfto

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Taking live questions on the Paid Private Buyers Club group on buying, viewing offering and negotiating on a home.

Watch the video of this livestream here: https://youtube.com/live/Ch2RqLU61bE

Thanks to Neil and Jelena for joining me on the video to discuss their challenges. Bidding on an overpriced home, and should a mortgage payment really be 30% higher than the rent on an equivalent home?

To join the live buyers club Q&A go to: https://buymeacoffee.com/mhwc/membership

For all my other links: https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

House Prices are falling at the coal face, and will fall faster as worsening financial conditions gather pace.

Watch the video of this podcast: https://youtube.com/live/1Vwa3pvPdrw

RICS Survey: https://www.rics.org/news-insights/market-surveys/uk-residential-market-survey

Unsold Asking Prices v Sold Asking Prices: https://bestagent.news/country/england/
https://bestagent.news/country/wales/

April 2023 Unemployment Figures
https://www.ons.gov.uk/releases/uklabourmarketapril2023

April Inflation Figures
https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/consumerpriceinflation/march2023

Feb ONS House Price Index
https://www.gov.uk/government/statistics/uk-house-price-index-for-february-2023/uk-house-price-index-summary-february-2023

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Get your mortgages here! https://mhwc.co.uk/mortgage

Join the Private Buyers Club Live Q&A: https://www.buymeacoffee.com/mhwc/membership

https://www.standard.co.uk/business/money/santander-house-prices-default-london-b1057416.html

https://www.taylorwimpey.co.uk/-/twdxmedia/files/head-office/corporate/reports-and-presentations/2023/tw-agm-2023-trading-statement-final.pdf

https://www.ons.gov.uk/peoplepopulationandcommunity/housing/bulletins/housingenglandandwales/census2021

Watch the video of this podcast here: https://youtube.com/live/OBECiNvCodE

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here https://youtube.com/live/uIWejN9quBs

In this video I explain why even if the Tories do reinstate help to buy, it won't have any effect on house prices for at least one year from now (May 2023) and even then it won't be like last time for one 'interesting' reason.

https://www.thetimes.co.uk/article/sunak-puts-help-to-buy-back-on-the-table-z5w5phrbp

https://www.bankofengland.co.uk/boeapps/database/Bank-Rate.asp

https://www.thetimes.co.uk/article/starmers-growth-plan-is-built-on-houses-79jq7mz6r

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

I work with a couple of hand-picked mortgage brokers because they have shown themselves to be trustworthy, impartial and reliable. I work with people whose values I respect.

Come and ask your questions about mortgages, interest rates, products on this livestream on Tuesday May 2nd at 7.30pm.

If you want to talk to these guys directly, pop your details in at https://mhwc.co.uk/mortgage
and I'll put you directly in touch with them.

Watch the video of this Q&A here: https://youtube.com/live/N9QFbFWiB6E

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Another up close and personal livestream just for members of the private buyers club. 

Ask me your questions, share your home buying challenges and I'll see what I can do to help you secure your next home.

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Get your MHWC search packs (provided by Daniel's company) here: https://mhwc.co.uk/property-pack/
Daniel Hamilton-Charlton, Founder of Property Searches Direct, is on a similar mission to me, to make moving easier by putting movers first.

He's put his whole career and money where his mouth is to make that happen. 

Even though Daniel has a different view of the market than me (!) I'm chuffed to have him on the show to explain to movers how Search Packs can be the thing that makes or breaks your move, why they are unavoidable, and what the pitfalls are. 

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

The Tories got wiped out in the Local elections. What does this mean for the General Election?

Search Pack:
https://mhwc.co.uk/property-pack

Mortgage brokers: https://mhwc.co.uk/mortgage

Sources: 

https://www.bankofengland.co.uk/statistics/money-and-credit/2023/march-2023

https://www.nationwidehousepriceindex.co.uk/reports/house-price-growth-shows-signs-of-stabilisation-in-april

https://www.cnbc.com/2023/05/04/european-central-bank-rate-decision-may-2023-after-inflation-figures.html

https://www.bbc.co.uk/news/business-65474456

https://youtu.be/MNM9bFBKgBM?t=194 

https://fullfact.org/economy/labour-average-first-time-buyer-deposit/

https://www.zoopla.co.uk/discover/property-news/house-price-index-may-2023/

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Halifax House Prices Fall https://www.halifax.co.uk/assets/pdf/april-2023-house-price-index.pdf
100% mortgages - https://www.telegraph.co.uk/property/buy/100pc-mortgages-are-a-step-too-far/

Britons getting poorer fast https://www.bloomberg.com/news/articles/2023-05-09/uk-inflation-british-wages-won-t-match-price-rises-for-essentials-this-year

Renters Reform Bill pulled at last minute
https://www.lettingagenttoday.co.uk/breaking-news/2023/5/government-pulls-rental-reform-bill-at-the-last-minute

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here: https://youtube.com/live/OeLafNF0rZw

RICS April 2023 housing market survey: https://www.rics.org/news-insights/market-surveys/uk-residential-market-survey

Bank of England Press Statement and Press Conference in Full: https://www.youtube.com/watch?v=_CuQSqiV_4Y

Bank of England rate announcement: https://www.bankofengland.co.uk/monetary-policy-summary-and-minutes/2023/may-2023

May Monetary Policy Report https://www.bankofengland.co.uk/monetary-policy-report/2023/may-2023

Get all your (mortgage, conveyancing, search pack) ducks in a row! https://mhwc.co.uk/all-my-ducks/

Charlie on Twitter: https://twitter.com/moving_charlie

Alex (Housing Stig) on Twitter: https://twitter.com/alexgroundwater 

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast: https://youtube.com/live/BOnGOOP1tto

https://mhwc.co.uk/mortgage

https://mhwc.co.uk/conveyancing

https://mhwc.co.uk/property-pack

Professor David Miles - Senior Economist at the OBR has said that the era of huge house price growth may be over. Is he right? Let's discuss the reasons.

Two different articles on the same story:
https://www.dailymail.co.uk/news/article-12098707/Era-massive-house-price-rises-says-OBR-chief.html

https://www.theguardian.com/money/2023/may/18/era-of-massive-uk-house-price-rises-nearing-end-says-obr-economist

Keir Starmer Interview on House Prices: https://youtu.be/YqB66EQLWYU

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here: https://youtube.com/live/J1a4_Rvb-2E

If you'd like to use any of my moving partners, find them here:

Property Search Packs: https://mhwc.co.uk/property-pack

Mortgage Brokers: https://mhwc.co.uk/mortgage

Conveyancers: https://mhwc.co.uk/conveyancing

Follow me on twitter for daily updates: https://twitter.com/moving_charlie

Full May 2023 RM House (Asking!) Price Report
https://www.rightmove.co.uk/news/content/uploads/2023/05/Rightmove-HPI-22nd-May-2023-Final.pdf

Many questions need to be asked about RM's so-called House Price Index.

Agents and movers alike rely on this info, and when it's misleading it leads to people potentially making life-changingly bad decisions.

RM Index 'Methodology' from 2011
https://www.rightmove.co.uk/house-price-measures.html

https://uk.finance.yahoo.com/news/uk-house-prices-jump-record-high-may-230113667.html?.tsrc=fin-srch

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

I'm delighted to be interviewing a career estate agent who has now gone independent and wants the world to know what happens behind closed doors at SOME of the UK's biggest corporate estate agency chains.

Watch the video of this podcast here: https://youtube.com/live/7rLqg_pZ9D8

If you'd like to use any of my moving partners, find them here:

Property Search Packs: https://mhwc.co.uk/property-pack

Mortgage Brokers: https://mhwc.co.uk/mortgage

Conveyancers: https://mhwc.co.uk/conveyancing

Follow me on twitter for daily updates: https://twitter.com/moving_charlie

All my other links: https://linktr.ee/movinghomewithcharlie

Audio Podcast of this livestream:


https://mhwc.co.uk/all-my-ducks

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

https://www.gov.uk/government/statistics/uk-house-price-index-for-february-2023/uk-house-price-index-summary-february-2023

March monthly drops since 2000
https://twitter.com/moving_charlie/status/1661330019145089034

Video of this podcast: https://youtube.com/live/1wKWxxjcxJg

Remember, there are no “House Prices” there are only the 3 A’s of House Prices.

ASKING prices.

AGREED prices.

ACTUAL prices.

ALWAYS know which ones are being referred to.

Rightmove index = ASKING only.

Halifax/Nationwide = AGREED only.

Land Reg/ONS = ACTUAL only.


My website
https://mhwc.co.uk

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

https://mhwc.co.uk/conveyancing

Watch the  video of this interview: https://youtube.com/live/zWPY2z8MzD0

Your choice of conveyancer is THE most important decision you'll make as a buyer (once you've had an offer accepted on a home you want to buy) and the 2nd most important decision as a seller (after your choice of agent).

It's a topic that you most frequently hear the "I wish I'd known that before" regret about.

In this livestream I'm talking the critical topic of conveyancing with the CEO of the conveyancing firm I have partnered with, Simon David from Thomas Legal.

I always advise movers to make their own personal choices of agent, mortgage broker, conveyancer and anyone else you need for your move.

If you can't find a provider you trust, I'm here with hand picked trusted providers who I can vouch for to deliver you the quality service you need when you're moving home.

All my other links: https://linktr.ee/movinghomewithcharlie

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Join the Private Buyers Club Live Q&A group here: https://www.buymeacoffee.com/mhwc/membership

Watch the video of this livestream here: https://youtube.com/live/BIxooSSOHyc

for tomorrow nights private livestream where I promise to answer ALL questions and where you can appear live in the show, video or only audio if you prefer

Be fully prepared to have your offer accepted. Get everything you need here:
https://mhwc.co.uk/mortgage
https://mhwc.co.uk/conveyancing
https://mhwc.co.uk/property-pack

https://www.bloomberg.com/news/articles/2023-05-31/michael-saunders-says-uk-s-most-painful-period-is-still-ahead?srnd=premium-uk

https://www.mortgagestrategy.co.uk/news/property-transactions-fall-sharply-hmrc/

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

A live Five Fact Friday with special guests including mortgage brokers, an RICS member and a veteran estate agent.

Watch the video of this podcast here: https://youtube.com/live/-nvsA7qbcls

1. Zoopla May HPI: https://www.zoopla.co.uk/discover/property-news/house-price-index-may-2023/

2. Bank of England Mortgage Approvals https://www.bankofengland.co.uk/statistics/money-and-credit/2023/april-2023

3. Nationwide HPI -3.4%  https://www.nationwidehousepriceindex.co.uk/reports/annual-house-price-growth-slips-back-in-may

4. Media reaction https://www.bbc.co.uk/news/business-65774620

5. Nationwide Economist on Radio 4 saying "only 2% more falls: (starts at 11m) https://www.bbc.co.uk/sounds/play/m001md4z

Stig's graphs
https://twitter.com/alexgroundwater/status/1662617292520280065?s=20

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Alex (Housing Stig) and I will discuss why the slow-moving housing market has just turned a corner, into a new phase when in all good conscience, I can't keep saying that it's a good idea for everyone to buy now.

Why House prices won't recover until 2028
https://www.telegraph.co.uk/property/house-prices/house-prices-will-not-recover-until-2028-fixed-mortgages/

If you are still buying, and you don't have any of these already lined up, please use my trusted mortgage brokers, conveyancers and search pack providers here:

https://mhwc.co.uk/all-my-ducks
Watch the video of this podcast here https://youtube.com/live/3lNr-W8tJ9g

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

It's a long one! Watch the video here on YouTube https://youtube.com/live/-cJ3c6A5ZQY

I'm delighted to welcome Anthony Codling to a live show on the MHWC channel.

Formerly an analyst at City stockbroker Jefferies, Anthony is now the founder of twindig.com and a frequent commentator on the UK housing market.

Anthony has a more optimistic, or bullish, view on UK house prices than I do, and in this video we'll be discussing our differences, with Alex Groundwater (aka Housing Stig) keeping the discussion real. https://www.twindig.com/market-views/why-house-prices-wont-crash-next-year

I'm here to help home movers make your own moving decisions. I work with 3 partners to provide mortgage broking, conveyancing and property search packs for movers who haven't identified their own preferred provider. If you'd like to talk to any of them, please use the links below:

https://mhwc.co.uk/mortgage
https://mhwc.co.uk/conveyancing
https://mhwc.co.uk/property-pack

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here: https://youtube.com/live/wXMLZ4fda8w

2 yr fixes edge closer to 6% 
https://www.theguardian.com/money/2023/jun/15/average-mortgage-rate-two-year-fixed-nationwide-bank-of-england-interest-rate-rise-borrowers 

No Mortgage Help
https://inews.co.uk/news/politics/jeremy-hunt-rules-out-help-mortgage-borrowers-backs-hike-interest-rates-2412428


Gilt yields now higher than Truss budget
https://order-order.com/2023/06/13/gilt-rates-spike-and-no-apocalyptic-headlines-sighted/ 

“Expert” says prices will fall 35% by 2025 ;-)
https://www.thisismoney.co.uk/money/mortgageshome/article-12185481/House-prices-fall-35-2025-says-property-expert-disagrees.html 


Small “Insta/TikTok” landlords forced to sell
https://inews.co.uk/inews-lifestyle/money/property-and-mortgages/small-time-buy-to-let-landlords-sell-mortgage-rates-increase-2411221 

https://www.landlordzone.co.uk/news/exclusive-conveyancer-reports-big-drop-in-landlords-buying-btl-properties/

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

If you understand this one point, your chances of moving, whether you are a buyer, seller or both, will be hugely improved.

Video of this podcast: https://youtube.com/live/BzDdiRF7PyU

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Mortgaged landlords are selling in droves. Here's why in summer 2023 I'd keep my tenant in place if selling.

Watch the video of this podcast here: https://youtube.com/live/XwOrO9dUTEE

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Rightmove House Price index was out this morning. But what is actually happening? We compare the RM ONE month of new asking prices with what's happening in the whole market on BestAgent data.

Watch the video of this here: https://youtube.com/live/QzNQWpffM3M

https://www.rightmove.co.uk/news/content/uploads/2023/06/Rightmove-HPI-19th-June-2023-FINAL.pdf

https://bestagent.news/country/england/

https://bestagent.news/country/wales/

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here:
https://youtube.com/live/2SIpw_V69OM

The chaos in the mortgage markets, spiking interest rates, further rate rises expected, jittery buyers, frantic sellers, this is what a sharp housing market recalibration feels like.

But people still need to move. And I'm here to help if I can.

Join the Private Buyers Live Q&A Club here, where all questions are answered in the private live streams: https://www.buymeacoffee.com/mhwc/membership

If you want a Private 1 to 1 video with me, subject to availability, you can book one here: https://www.buymeacoffee.com/mhwc

For my conveyancing partners visit https://mhwc.co.uk/conveyancing
For my mortgage broking partners visit: https://mhwc.co.uk/mortgage
For Property search packs visit: https://mhwc.co.uk/property-pack

This evening Housing Stig (aka Alex Groundwater, @alexgroundwater on Twitter) and I will talk through the turmoil and try and help make sense of it.

https://www.telegraph.co.uk/property/house-prices/mortgage-crisis-house-price-crash-record-britain/

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

The Bank of England surprised the media, economists and even Stig (but not me!) by raising the base rate 0.5% today.

This will accelerate the scenario we've been describing.

Always talk to your mortgage broker first. You need to know what you can and can't afford to do, especially in a fast changing scenario. If you don't have a broker you trust, you can talk to my hand picked, whole of market independent brokers here:

https://mhwc.co.uk/mortgage

All my links: https://linktr.ee/movinghomewithcharlie

https://www.bankofengland.co.uk/monetary-policy-summary-and-minutes/2023/june-2023

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Charlie and Alex Groundwater with gin (aka Housing Stig @alexgroundwater on Twitter) have a relaxed chat about the state of the UK economy and how it will affect the housing market.

Death in Poverty video: https://youtu.be/TQ8VZSqFfto

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Here are the 5 facts hitting housing hardest this week. 23 June 2023

Watch the video of this podcast here: https://youtube.com/live/RhdDvzC7QuA

1. BoE Rate up to 5.0% https://www.bankofengland.co.uk/boeapps/database/Bank-Rate.asp
2. Inflation sticks at 8.7%, Core inflation RISES to 7.1% https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/consumerpriceinflation/may2023 
3. Jeremy Hunt rules out government help on mortgages https://www.bbc.co.uk/news/business-65963510 
4. ONS Retail Data Good news! Up a whopping 0.3%, or is it? https://www.ons.gov.uk/businessindustryandtrade/retailindustry/bulletins/retailsales/may2023#:~:text=Volume%20and%20value%20sales%2C%20seasonally%20adjusted%2C%20percentage%20change%2C%20Great%20Britain%2C%20May%202023 
5. 65% of you expect house price falls of MORE than 10% https://twitter.com/moving_charlie/status/1671845018238083074 

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Watch the video of this podcast here: https://youtube.com/live/BwlBn5aVeFY

24 June 2023 - Peter kindly invited me onto his livestream to discuss the housing market.

Follow Peter's channel here: https://www.youtube.com/@peterkomolafe

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

It's hard to accept that something you didn't want to happen is happening. But that's exactly what's happening now. (Watch the video here: https://youtube.com/live/UYRLwVSjXI8 )

For most, it's already too late, and I'll explain why in this video.

Alex (Stig) will be helping me explain why we're in this pickle and what could have been done differently to prevent it.

I will be helping any sellers who have decided they must sell, and explaining exactly what you need to do to avoid being in the "it's too late" group.

My mortgage guys: https://mhwc.co.uk/mortgage

Conveyancing: https://mhwc.co.uk/conveyancing

Search Packs: https://mhwc.co.uk/property-pack

https://www.telegraph.co.uk/property/house-prices/britain-house-price-crash-will-worst-in-world/

FT story: Why there can be no bailout.
https://twitter.com/moving_charlie/status/1672736987109883907?s=20

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

26 June 2023 - A brief interview with Danny Pike about how the time reporting lag will catch out unwary sellers in this falling market.

If you need to talk to an independent whole of market mortgage broker, my hand picked guys are outstanding: https://mhwc.co.uk/mortgage

Watch the video of this interview here: https://youtu.be/rDKjau9Wp6o

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Gazundering (the opposite of Gazumping) is when buyers reduce their agreed price shortly before exchange.

Watch the video of this podcast here to see Daniel's graph: https://youtube.com/live/R3mYZ3Y0jEU

Daniel Hamilton-Charlton, former estate agent turned property search pack provider, and supplier of the MHWC Search Packs, explains how sellers can defend against the horrible experience of gazundering, and improve the chance of sales completing.

Order your Search pack here: https://mhwc.co.uk/property-pack

Get your conveyancing here: https://mhwc.co.uk/conveyancing

Watch my previous video with Daniel when he explains in full what a Search Pack is and why you have to have one (in transactions with lenders involved).
https://youtu.be/gqrBOZEZVew

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Richard Donnell, Director of Research at Zoopla joins Charlie and Alex (aka Housing Stig) on tonight's livestream. With 20 years working in housing market data, Richard is as qualified as anyone to debate what's happening and what he sees coming.

Watch the video here: https://youtube.com/live/YBlSUZv1YJ4

Follow Richard on Twitter at https://twitter.com/richard_donnell

Both sides will try and change each other's minds and see what happens. Hopefully whatever happens, everyone will emerge wiser and more knowledgable!

All my links: https://linktr.ee/movinghomewithcharlie

Zoopla June House Price Index: https://www.zoopla.co.uk/discover/property-news/house-price-index/

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

FFF 30 June - video here: https://youtube.com/live/cd4PeflHvZA

1. Zoopla HPI - 5% falls, 10% total falls (last night’s video) https://www.zoopla.co.uk/discover/property-news/house-price-index/ video https://youtube.com/live/YBlSUZv1YJ4  
2. Nationwide HPI up £200 month on month - annual price growth falls to -3.4% https://www.nationwidehousepriceindex.co.uk/reports/annual-house-price-growth-slips-back-in-may 
3. Q2 Mortgage Approvals down 29% - https://twitter.com/moving_charlie/status/1674739491104227329?s=20 
4. Schroders forecasts 6.5% base rate - https://www.schroders.com/en-gb/uk/intermediary/insights/uk-should-brace-for-6-5-interest-rates-here-s-why-we-ve-raised-our-forecast/ 
5. Family Building Society Boss says ’sell before it’s too late!’ - https://www.telegraph.co.uk/personal-banking/mortgages/mortgage-borrowers-sell-before-house-price-crash-lenders/ 

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

The mortgage market is experiencing uncertainty, making it harder to know where you stand when trying to secure finance to buy your home, or move to your next one.

Watch the video of this podcast here: https://youtube.com/live/cu6PoevfSew

What would make you choose a variable, 2yr, 5yr or 10yr fix?

If you'd like to talk to either of these guys about your mortgage or remortgage pop your details in here https://mhwc.co.uk/mortgage

Support the show

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

Talk to my hand picked conveyancing partners here: https://mhwc.co.uk/conveyancing

Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home.

If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgage

All my other links: https://linktr.ee/movinghomewithcharlie

For my estate agency podcasts, visit https://linktr.ee/bestagent

If you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents