Buy to let

Lucy Warwick-Ching

Listen to the latest Money Show, the FT’s personal finance podcast, for up-to-date news and insights from the industry. Today’s show is now LIVE.

This week our special guest came from inside the Pearson Group; Matthew Vincent, personal finance editor of the Financial Times, invited Claer Barrett from the Financial Times’ sister publication Investor Chronicle onto the show.

Sharlene Goff

The official figures are showing a fall in home repossessions - and a rosier picture of the housing market – but is this the full story?

Arrears on loans from some of the more aggressive specialist lenders such as Gmac are already running into double digits. And with unemployment set to rise further over the next few months, more people could struggle to meet their mortgage payments.

We’d like to build up a true picture of who is running into difficulty with their loans and would be interested to hear your experiences.

Maybe you’ve lost your job, or the bonus you were expecting hasn’t materialised. If this is the case are you having trouble paying your mortgage?

Was it too easy to gain credit at the peak of the market from aggressive lenders such as Northern Rock and Halifax? Or were you encouraged to convert your existing home into a buy-to-let investment when you moved house? Maybe your mortgage lender has failed to pass on interest rate cuts to you?

Lenders are telling us they are more willing to help homeowners out of difficulty but is this really the case? If you have approached your lender for help what has been their response?

Share your views by typing your comments below, or by visiting us at Twitter.

Lucy Warwick-Ching

Abandoned pint glasses, all-night parties and overgrown gardens.

If the government succeeds in pushing through its latest property proposals, these hallmarks of undergraduate living could soon vanish to restore suburban order to some densely populated student areas.

The FT’s Money blog is a forum for the latest news and insights from the UK’s personal finance scene. Matthew Vincent, the editor of FT Money and his team of reporters will upload their views and insights on what’s happening in the industry and how this affects people’s finances.

This blog is no longer active but it remains open as an archive.

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About our bloggers

Lucy Warwick-Ching is the FT’s new Money Online Editor and has been a UK Companies reporter covering tobacco, pubs and leisure companies as well as the deputy editor on House and Home.

Matthew Vincent is the FT’s Personal Finance Editor and was previously the editor of Investors Chronicle, where he also devised the award-winning online video The Market Programme, and produced the BBC-FT standalone magazine ‘How to be Better Off’. He presents the weekly FT Money Show audio podcast, and previously worked on the BBC TV programmes Short Change and Pound for Pound.

Alice Ross is deputy personal finance editor of FT Money. She specialises in pensions, investments and investment trusts. Alice joined FT Money in April 2008 - prior to that she was deputy editor at Money Management magazine.

Ellen Kelleher has been a personal finance reporter in the UK for close to four years. Before arriving in London, she worked in the FT's New York bureau where she covered the insurance sector.

Steve Lodge is a personal finance reporter on FT Money specialising in savings.

Josephine Cumbo has written about all aspects of personal finance but currently specialises in insurance. She also covered company news for Prior to working at the FT she was a news reporter for the ABC.

Tanya Powley is a personal finance reporter on FT Money specialising in mortgages and the housing market. Tanya joined FT Money in November 2009 after working in Australia covering personal finance for the Australian Financial Review and its sister magazine Asset. Prior to that, Tanya wrote about mortgages for UK trade newspaper Money Marketing.

Jonathan Eley is editor of Investors Chronicle, and has been with the title for ten years. Before that he worked for newswires and trade journals in London, New York and Hong Kong.