London Money @LondonMoneyFS Twitter profile

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London Money

@LondonMoneyFS

2 years

I wish Richard Madeley would work from home. #richardmadeley

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@LondonMoneyFS

3 months

I will NEVER understand this type of television set up.

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London Money

@LondonMoneyFS

3 months

I’ve long suggested that BTL needs regulating from the ground up - this is Exhibit A as to why I am right

Moving Home with Charlie

@moving_charlie

3 months

This is what debt addiction looks and sounds like when the denial phase is beginning to turn to anger.

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London Money

@LondonMoneyFS

3 years

Where next for the #antivaxxers ? Big Ben ?

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London Money

@LondonMoneyFS

5 years

@OwenMas98124372 @brexitparty_uk Oooof big guns rolling out now - who’s tomorrow’s big reveal , Orville the duck ? 😂

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London Money

@LondonMoneyFS

3 years

“ Hello , I’d like a 95% mortgage please. “

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London Money

@LondonMoneyFS

10 months

Possibly explains why our clients on joint income of £100k, and with childcare costs, is being offered £250k max lending across the board

The Spectator Index

@spectatorindex

10 months

BREAKING: 🇬🇧 UK mortgages in arrears rise by 28% compared with last year, at highest level since 2016.

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London Money

@LondonMoneyFS

5 months

The warning bells are now ringing loudly among the middle classes “we now realise we have a life we can’t afford anymore “ A direct quote from a lovely client

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London Money

@LondonMoneyFS

1 year

Looking forward to making my key note speech shortly at MIPIM: ‘ Ignore The Naysayers - Diversity IS Working ‘

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London Money

@LondonMoneyFS

5 years

@DanielJHannan I assume you’re basing that on the last 3 years of not actually delivering Brexit ?

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London Money

@LondonMoneyFS

5 months

The middle class is teetering atop its Instagram influenced debt bomb Two clients this week , both high earners both with £70k unsecured debt , both desperate to consolidate.

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London Money

@LondonMoneyFS

1 year

Total outstanding personal debt- £1.95trn Total outstanding Govt debt- £2.45trn Total outstanding commercial debt- £1.9trn GDP- £2.2trn There can be no bailout, we're broke Anyone got Skiptons number? #housingmarket #mortgages #economy

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London Money

@LondonMoneyFS

5 months

“I’m a mortgage broker - my middle-class clients can't afford their lives. The goal used to be to outlive our parents, now we are clinging to the hope of simply outliving our mortgages.”

I'm a mortgage broker - my middle-class clients can't afford their lives

Martin Stewart says an obsession with status symbols - including school fees, supercars and hot tubs - means that many people are sitting on a mountain of debt, with some pushing repayment plans past...

inews.co.uk

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London Money

@LondonMoneyFS

14 days

It doesn’t get talked about quite so much as it once was but only this week we have seen a clients mortgage payment go from £400pcm to over £2000pcm Almost £20k removed from the economy annually Mortgage costs to jump for 3m more households:

Mortgage costs to jump for 3m more households, says Bank of England

The central bank stressed that UK lenders are still in a strong position to support households and businesses, even if the economic backdrop worsens.

www.independent.co.uk

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London Money

@LondonMoneyFS

1 year

Client just been informed his flat purchased in 2014 may be worth less than they paid for it

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London Money

@LondonMoneyFS

3 months

Far too many middle managers have been led to believe for the last 15 years that they deserve the right to borrow £1.5m at 1.5%

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London Money

@LondonMoneyFS

5 months

I’d love to live in a world where inflation is only 4%. It might have stopped my car insurance going up by 40% and the gym membership going up 10%

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London Money

@LondonMoneyFS

2 months

9.38m economically inactive people in the UK. @ONS If May carries on how its started you will soon be able to add 15,000 mortgage brokers to that number !

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London Money

@LondonMoneyFS

8 years

Found this tucked away on @MailOnline website. I feel it deserves a bigger audience.

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London Money

@LondonMoneyFS

10 months

Client purchased a converted flat for BTL in 2015 in a decent part of London Paid £310k but now valued at £280k and they are now also losing money on the rent each month For many in #buytolet …

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London Money

@LondonMoneyFS

10 months

Chatting to a BTL client Rent £2kpcm Mortgage rolling off £800pcm Looming SVR payment - £4.5k pcm We are now in a world where we’re presenting a PT payment of £3k pcm as being good news BTL rates need to start with a 3 for the market to function again for many landlords

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London Money

@LondonMoneyFS

8 months

Cheap money has made a lot of people think they’re cleverer than they actually are

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London Money

@LondonMoneyFS

10 months

Here's a question. Why, when mortgage rates reached 5% everyone was crying and lamenting the death of the housing market but now they're down to 5% its great news and the market is saved and everyone needs to borrow again? #Mortgages #housingmarket

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London Money

@LondonMoneyFS

6 months

Oh dear oh dear oh dear …. Take the bunting down lads , try again later in the year

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London Money

@LondonMoneyFS

5 months

Seriously what is the point of estate agents ? Where else can you buy a £1m product and the retailer simply states “ not available” where the important information should be ? #jokers #property

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London Money

@LondonMoneyFS

7 years

Finance tip #1 : Best way to save money in the #boxingdaysales is to leave your money at home and go for a nice walk instead.

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London Money

@LondonMoneyFS

1 year

I dont care what party they belong to. Pay the MPs £250k, ban second jobs and anything media related, and force them to do what they should be doing - running the country. Absolute grifters. @ByDonkeys #ledbydonkeys

Led By Donkeys

@ByDonkeys

1 year

🚨MPs FOR HIRE: a Led By Donkeys undercover investigation🚨 Watch the trailer…

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London Money

@LondonMoneyFS

5 years

@PensionsDave @OwenMas98124372 @brexitparty_uk Domino affect , if Bonnie Langford goes I’m going to have to reconsider my own position on all this

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London Money

@LondonMoneyFS

4 years

Trying to work out which #toryMP is the one making the news today. I've filtered them depending on which ones have the most vacuous and disposable morals and i've therefore already cut it down to 364 potential names.

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London Money

@LondonMoneyFS

4 years

I am still running on a pre-lockdown tank of petrol. Who's with me ?!

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London Money

@LondonMoneyFS

2 years

A mortgage broker prepping for a last minute application and believing he has everything he needs.

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London Money

@LondonMoneyFS

5 years

Just received my Equality & Diversity questionnaire from Fulham FC. I’ve done it and sent it back along with my own Defending & Scoring questionnaire which I have asked them to complete.

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London Money

@LondonMoneyFS

11 months

2000- 2008 was the era of easy money 2012-2022 was the era of cheap money Both led to bloated asset prices I’m not too sure how the next era will be funded but I don’t want to be around when it starts to fail You can’t break economics

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London Money

@LondonMoneyFS

3 years

I’m going out on a limb here but ....

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London Money

@LondonMoneyFS

4 months

Five Guys So named because it takes the combined salaries of 5 working men to be able to afford to eat there

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London Money

@LondonMoneyFS

21 days

No one - and I mean NO ONE - will ever convince me that England is anything other than a bang average, over hyped team of individually talented players who perform terribly together & are managed by someone who is about as dynamic as a pair of corduroy trousers #bbcfootball

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London Money

@LondonMoneyFS

5 years

Loved this by @EricIdle . Some great anecdotes in here and wonderful stories from what certainly feel like better times. A joke on every page as well as shameless name dropping . Still, as I said to Prince Charles the other day ....

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London Money

@LondonMoneyFS

9 months

An early observation on the #Panorama programme is that if I was facing an increase in mortgage costs - which I am - one of the last things I would have done is get a puppy. #mortgages

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London Money

@LondonMoneyFS

3 years

“ we’ve done focus groups , the feedback has been VERY positive” #abrdn

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London Money

@LondonMoneyFS

3 years

Big house - mortgaged ✅ Big car - financed ✅ Watch - leveraged ✅ Credit card - maxed out ✅ Actual cash - £0 ❌ Don’t be fooled by these people, they’ve been fooled themselves. Weigh their character not their chattels #MondayWisdom

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London Money

@LondonMoneyFS

2 years

Gliding into Monday like…

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London Money

@LondonMoneyFS

5 months

So how is that in line with CPI when you arbitrarily add an additional 3.9% ? @EE

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London Money

@LondonMoneyFS

6 years

I have zero sympathy for those saying " this isn't what i voted for " because the vast majority of them didn't know what they were voting for in the first place. #Brexit #BrexitBetrayal

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London Money

@LondonMoneyFS

10 months

Huge shout out to ‘Spoons in Dartford for helping host out inaugural networking event Linda behind the bar, you were brilliant Sommelier Mick, your knowledge of wine boxes is without peer Dave on the door, taking no prisoners - again! What a team!

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London Money

@LondonMoneyFS

7 years

Theresa May plans to eradicate plastic and has therefore asked Manchester City for a list of all their fans from the past 5 years.

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London Money

@LondonMoneyFS

2 years

I can go to £2.65m Cancel your Netflix Ok, £2.75m #megamansionhunters

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London Money

@LondonMoneyFS

5 years

Three years ago I was 18st, smoking 20 a day , very unhappy and doing a job I hated. Today, nothing’s changed. The point is , consistency is also a quality. #MondayMotivation

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London Money

@LondonMoneyFS

5 years

I can confirm that Firminio is not the only Brazilian on the pitch tonight. #uclfinal #bbcfootball #streaker

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London Money

@LondonMoneyFS

11 months

“Prices won’t drop” ⬇️ “A few over priced houses might” ⬇️ “Maybe a couple of %” ⬇️ “Small correction “ ⬇️ “It needed to happen” ⬇️ “ it won’t crash “ ⬇️ “Medium sized correction “ ⬇️ “ i’m still busy “ ⬇️ “ it busyish” ⬇️ “ It’s dead “ ⬇️ “ It’s crashed”

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London Money

@LondonMoneyFS

4 years

I've just used my Tesco Club card points & purchased a fully laden supertanker holding 2,000,000 barrels of oil The plan is to keep it moored in neutral waters until the price stabilises about $30 & I can then sell out & buy a 4 pack of Andrex off the Dark Web #OilPrice

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London Money

@LondonMoneyFS

8 years

Breaking: Cameron promises to make #topgear great again if the U.K. Votes to stay in EU.

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London Money

@LondonMoneyFS

4 months

Here is a good indicator to further confirm the exiting of BTL landlords , particularly from London. FTB has viewed 40 properties and all bar one of them have been shown empty and are being marketed as chain free. #RIPLondonBTL

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London Money

@LondonMoneyFS

2 years

Really, really, REALLY distasteful to hide behind Ukraine’s war to help cover up political and personal wrong doing. Crack on with whatever you want to do but don’t leverage someone else’s misery in the process. #BBCBreakfast

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London Money

@LondonMoneyFS

4 years

I’ve just checked with all my sauces and they have confirmed that they have no idea what’s going on either ! #Lockdown2 #shambles

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London Money

@LondonMoneyFS

5 months

You used to have to earn a car By that I mean , if you earned £50k a year you might have a £20k car Now you can have a £50k car even if you earn £20k a year That’s messed up !

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@JibbaJabb

5 months

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London Money

@LondonMoneyFS

2 years

A lender is in reception for an update with the team. I plan to leave them there for two hours but pop down sporadically to remind them that they are really important to us. And then go home.

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London Money

@LondonMoneyFS

1 year

If landlords sell it increases HOUSING stock. We need to get away from this Stockholm Syndrome mindset that a landlord owned property is no longer available for traditional use It is NOT a one way ticket

Henry Pryor

@HenryPryor

1 year

I respectfully disagree. A rent cap would not provide more stock, it may in fact force some landlords to sell up thereby reducing stock even further. I don't know of anywhere where a rent cap has worked. The Edinburgh Experiment currently in place doesn't seem to be delivering.

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London Money

@LondonMoneyFS

3 years

One to one 72 hours before month end

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London Money

@LondonMoneyFS

1 year

Always delighted to announce new company record and we have today achieved a new PB - a clients mortgage is going up by £3500 per month. I'm sorry, but if we are doing all this to bring down the cost of a pint of milk by 10% we deserve everything that's coming our way.

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London Money

@LondonMoneyFS

2 years

This clip has the potential to do more damage to the mortgage market than Truss, Kwarteng & Hosker combined. Specialist lenders are known to do this but don’t confuse them with Halifax & Barclays Seek independent, whole of market advice #mortgages

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London Money

@LondonMoneyFS

6 months

The housing market is broken This is the equivalent of getting a slightly bigger hammer and breaking it all over again.

Emma Fildes

@emmafildes

6 months

GOV POTENTIAL PLANS = 99% mortgages backed by tax payers money PURPOSE = gain younger votes & appease builders/ party donors EFFECT = drive up property prices & demand RISK ASSESSMENT = neg equity, defaults & repo’s SOLUTION = Offload debt elsewhere

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London Money

@LondonMoneyFS

5 months

This idea is only 1% less stupid than the Skipton idea

Mortgage Strategy

@MortgageStrat

5 months

Treasury draws up plans for 99% mortgages: Report

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London Money

@LondonMoneyFS

4 months

State pension is a moveable feast as we have seen The people taking these 30 year terms will not be in the same house nor have the same lives by the time they even think about retiring It continues to be a non-story

Vicky Spratt

@Victoria_Spratt

4 months

Almost half of new mortgages approved in last 3 months of 2023 were for 30 years +. These homeowners will prob be older than state pension age when their mortgages finish and repaying in retirement. This trend has huge implications as I’ve written before

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London Money

@LondonMoneyFS

11 months

Wilko's to 2023 what Woolworths was to 2008 Far too many similarities with GFC Last time around rates where slashed and money was printed. Same again ?

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London Money

@LondonMoneyFS

2 years

Tuesday Wednesday Thursday Friday Saturday Sunday MONDAY

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London Money

@LondonMoneyFS

6 months

“ I picked up a pint of milk for 49p at the corner shop . When I got to the till they put it through at 59p. When I asked why they said prices had risen in the time it took me to get to the till . Can they do this, is it legal ?”

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London Money

@LondonMoneyFS

6 years

@michael_taggart I’d just hang around KFC or McDonalds - suspect he’ll turn up eventually !

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London Money

@LondonMoneyFS

5 years

@LeaveEUOfficial @matteosalvinimi Haven’t you just spent two years whinging and complaining about foreign powers interfering in our sovereignty ?

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London Money

@LondonMoneyFS

4 years

I'll be honest - I am more scared of the second wave of zoom quizzes than I am the second wave of the virus

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London Money

@LondonMoneyFS

1 year

Decent #inflation numbers although i'm fully expected that to go back above 10% once the Taylor Swift ticket prices have filtered through

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London Money

@LondonMoneyFS

1 year

The biggest mortgage in the UK is that of the Governments and secured on all our land and underwritten as a multiple of our taxes They too have been living beyond their means so don’t beat yourself up ! But this is also why there can be no more bailouts #mortgages

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London Money

@LondonMoneyFS

3 years

What a lovely call with a client. Bought a painting for £20k sold it last year for £1m . Paid their mortgage off - good on them.

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London Money

@LondonMoneyFS

8 months

“ I’m a 38-year-old landlord earning nothing – I want to be a train driver next”

Telegraph Money

@MoneyTelegraph

8 months

‘I’m a 38-year-old train driver earning £90,000 – I want to be a landlord next’ Money Makeover: our reader wants to know if buy-to-let will provide later-life income

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London Money

@LondonMoneyFS

6 years

"Scan a PDF please" "Just sent a picture, that ok?" "Scan a PDF please " "Ok, sent a spreadhsheet " "Scan a PDF please " "Here's a link to a web page?" "Scan a PDF please " "I've painted it using Kandinsky's exploitative interrelation between colour & form " "Scan a PDF please"

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London Money

@LondonMoneyFS

2 years

Every balloon represents a broker who we lost this year while they were on hold to a lender Rest in peace soldier 🕯

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London Money

@LondonMoneyFS

5 years

Blimey 4 votes - but you know, it’s a clear majority nonetheless, the MPs knew what they were voting for , it’s a democratic process , give the MPs what they voted for , just get on with not leaving with no deal ! #spelman #brexit #nodealvote

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London Money

@LondonMoneyFS

1 year

Plenty of low ball offers from First Time Buyers going in They then increase the offer slightly on the second round. But then offer no more and they walk away. Excellent Keep up the good work! #property #mortgages

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London Money

@LondonMoneyFS

6 years

Just spoken to a divorce lawyer & apparently I am in with a decent chance of a annulment . He said it was evident , after reading a transcript of my wedding, that it was clear I had meant to say " i don't " when I originally misspoke the words " I do " #Trump #WednesdayWisdom

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London Money

@LondonMoneyFS

3 months

Listen up brokers !!! You’ve ridiculed Charlie for long enough now, he was right you were wrong

Moving Home with Charlie

@moving_charlie

3 months

It’s not what I want, but it’s the reality we’re facing whether we like it or not. Current Interest rates are not high, they are normal. They are not even the “new normal”, they are around the long term average level of normal. We need to suck it up. Toughen up, buttercup.

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London Money

@LondonMoneyFS

10 months

Tax it to oblivion

Henry Pryor

@HenryPryor

10 months

There are now 482,000 second homes owned in England – a rise of almost 170,000 since 2010 (£)

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London Money

@LondonMoneyFS

1 year

YES , THE TIME IS RIGHT TO REGULATE BTL. I KNOW YOU AGREE WITH ME SO NO NEED TO COMMENT : ‘Landlords can still get a mortgage with no income – no wonder the housing market is broken’

‘Landlords can still get a mortgage with no income – no wonder the housing market is broken’

Buy-to-let mortgages need to have greater regulation and this will benefit all parties

www.telegraph.co.uk

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London Money

@LondonMoneyFS

4 months

I see @moving_charlie do some great tweets as to why you should use a broker Here is another one Lending amounts can vary significantly across many lenders and for many reasons. Natwest - £413k Halifax - £407k TSB - £400K HSBC - £371K Barclays - £365k Rarely about the rate.

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London Money

@LondonMoneyFS

3 months

Brokers clinging to the Nationwide data whilst totally ignoring the Halifax data

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London Money

@LondonMoneyFS

1 year

Speaking to a client who’s selling a 2nd home People need to stop being precious about valuations In this climate my advice is take a manageable hit on the price With 4% available in savings accounts, parking the equity there for 6 months will return some of the losses

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London Money

@LondonMoneyFS

9 months

I am rather hoping Northern Rock make an appearance tomorrow and launch a new 125% LTV mortgage - you know, just for a change of scenery !! #skipton

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London Money

@LondonMoneyFS

9 months

Client just sold their house. We are porting the rate so checked the lenders auto valuation. Lender: £1,085,000 Sale price: £720,000 Product Transfers may be a challenge this time next year !

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London Money

@LondonMoneyFS

5 months

@EE Are you an MP ?? You’ve answered a different question of the one I asked !😂

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London Money

@LondonMoneyFS

10 months

I will NOT put the central heating on until after Bonfire Night and the big coat will not see the light of day until the clocks go back. Rules is rules.

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London Money

@LondonMoneyFS

4 months

How 'predatory' Wall Street landlords are pricing Brits out of housing via @MailOnline

How 'predatory' Wall Street landlords are pricing Brits out of housing

EXCLUSIVE: Hard-working British families have slammed 'Wall Street landlords' for 'pricing them out of the housing market' by buying up new builds to line their pockets.

www.dailymail.co.uk

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London Money

@LondonMoneyFS

3 years

Popped in to Chasers in Slough last night. Bumped in to Dimitri - great bloke and what a dancer ! #bemoreDimitri

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London Money

@LondonMoneyFS

1 year

“We are now in the unenviable position of staring over the abyss where the bodies of the over-leveraged, under-saved, landlords, renters and owners of discretionary spend businesses are beginning to pile up" Fiscal poetry 👆

Brits are facing a major mortgage crisis as lending rates soar

The average two-year fixed rate rose above 6% on Monday as experts warned of chaos in a market with fewer available products.

www.cnbc.com

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London Money

@LondonMoneyFS

3 years

“ right now tell them you’re taking out all the letter e’s “ #aberdeen #abrdn

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London Money

@LondonMoneyFS

8 months

I could watch this kind of stuff for hours and never get bored 😂

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London Money

@LondonMoneyFS

2 years

The only thing that disappoints me is the fact the #BankofEngland could have gradually added 0.25% to the base rate every 3 months for the past 2 years without hurting the economy. Instead we get 1.65% in 8 months which will only hurt people.

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London Money

@LondonMoneyFS

1 year

One of the things that will be very difficult to change is the mindset of the last 15 years that we can have, and are entitled to, absolutely anything we want #inflation #mortgages

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London Money

@LondonMoneyFS

5 years

@andrew_lilico That reminds me , Alan Partridge is on again tonight

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London Money

@LondonMoneyFS

2 years

I'm opening a Broker Sanctuary. It wont be cheap , more expensive than the Priory but: No WIFI Unlimited beers & spirits Free Pizza Decent sound system ( Vinyl only) No news No members called Adam No instruments/singing unless by the House Band (me) No awards No free legals

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@LondonMoneyFS

3 years

Broker under 30 Specialist lender BDM Mainstream lender BDM

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London Money

@LondonMoneyFS

7 years

@Adam_Hosker @PaulBrandITV no idea but our office is closed saturday and sunday but i somehow managed to ping some emails off to clients

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London Money

@LondonMoneyFS

2 years

@theJeremyVine @waitrose @MetCycleCops @RoadPeace @AndyCoxDCS I always think polls are good in situations like these especially on unbiased and neutral platforms like twitter. So who is in the wrong?

Lorry

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