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    <title>Oak Tree Mortgages Blog</title>
    
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    <id>tag:typepad.com,2003:weblog-1638760</id>
    <updated>2009-10-07T09:35:45+01:00</updated>
    <subtitle>All about mortgages, interest rates and property in the United Kingdom.</subtitle>
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    <geo:lat>52.405194</geo:lat><geo:long>-1.823688</geo:long><link rel="self" href="http://feeds.feedburner.com/OakTreeMortgagesBlog" type="application/atom+xml" /><feedburner:emailServiceId>OakTreeMortgagesBlog</feedburner:emailServiceId><feedburner:feedburnerHostname>http://feedburner.google.com</feedburner:feedburnerHostname><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="hub" href="http://pubsubhubbub.appspot.com" /><entry>
        <title>Buying a home needn't be taxing...</title>
        <link rel="alternate" type="text/html" href="http://feedproxy.google.com/~r/OakTreeMortgagesBlog/~3/k5LqJkB2yHI/buying-a-home-neednt-be-taxing.html" />
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        <id>tag:typepad.com,2003:post-6a00e55207e19588330120a5c8e27b970b</id>
        <published>2009-10-07T09:35:45+01:00</published>
        <updated>2009-10-07T09:56:17+01:00</updated>
        
        <author>
            <name>Calvin Oram</name>
        </author>
        
        <category scheme="http://sixapart.com/ns/types#tag" term="First Time Buyer Mortgages" />
        <category scheme="http://sixapart.com/ns/types#tag" term="Help for First Time Buyers" />
        <category scheme="http://sixapart.com/ns/types#tag" term="Mortgage Broker Solihull" />
        <category scheme="http://sixapart.com/ns/types#tag" term="Oak Tree Mortgages" />
        <category scheme="http://sixapart.com/ns/types#tag" term="Stamp Duty" />
        <category scheme="http://sixapart.com/ns/types#tag" term="Stamp Duty Land Tax" />
        


    <content type="html">Stamp Duty Land Tax is normally another cost incurred by First Time Buyers. However, for a limited time only, it is possible to purchase a property without incurring this cost.&lt;div class="feedflare"&gt;
&lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=k5LqJkB2yHI:bPIfhU_utKw:yIl2AUoC8zA"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=yIl2AUoC8zA" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=k5LqJkB2yHI:bPIfhU_utKw:qj6IDK7rITs"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=qj6IDK7rITs" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=k5LqJkB2yHI:bPIfhU_utKw:V_sGLiPBpWU"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=k5LqJkB2yHI:bPIfhU_utKw:V_sGLiPBpWU" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=k5LqJkB2yHI:bPIfhU_utKw:7Q72WNTAKBA"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=7Q72WNTAKBA" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=k5LqJkB2yHI:bPIfhU_utKw:F7zBnMyn0Lo"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=k5LqJkB2yHI:bPIfhU_utKw:F7zBnMyn0Lo" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=k5LqJkB2yHI:bPIfhU_utKw:gIN9vFwOqvQ"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=k5LqJkB2yHI:bPIfhU_utKw:gIN9vFwOqvQ" border="0"&gt;&lt;/img&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src="http://feeds.feedburner.com/~r/OakTreeMortgagesBlog/~4/k5LqJkB2yHI" height="1" width="1"/&gt;</content><feedburner:origLink>http://oaktreemortgages.typepad.com/calvins_blog/2009/10/buying-a-home-neednt-be-taxing.html</feedburner:origLink></entry>
    <entry>
        <title>The First Time Buyer 90% Mortgage - "Members Only?"</title>
        <link rel="alternate" type="text/html" href="http://feedproxy.google.com/~r/OakTreeMortgagesBlog/~3/iLazrkLrARw/the-first-time-buyer-90-mortgage-members-only.html" />
        <link rel="replies" type="text/html" href="http://oaktreemortgages.typepad.com/calvins_blog/2009/09/the-first-time-buyer-90-mortgage-members-only.html" thr:count="0" />
        <id>tag:typepad.com,2003:post-6a00e55207e19588330120a5fc89b7970c</id>
        <published>2009-09-28T22:09:37+01:00</published>
        <updated>2009-09-29T11:34:40+01:00</updated>
        
        <author>
            <name>Calvin Oram</name>
        </author>
        
        <category scheme="http://sixapart.com/ns/types#tag" term="10% deposit" />
        <category scheme="http://sixapart.com/ns/types#tag" term="90% Mortgage" />
        <category scheme="http://sixapart.com/ns/types#tag" term="Coventry Building Society" />
        <category scheme="http://sixapart.com/ns/types#tag" term="first time buyer mortgage" />
        


    <content type="html">Mortgages with a 10% deposit, sometimes referred to as 90% Loan to Value products, are few and far between. Some of our biggest mortgage lenders, the likes of the Abbey, Alliance &amp; Leicester and the Nationwide Building Society have shunned...&lt;div class="feedflare"&gt;
&lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=iLazrkLrARw:amCBuYZSt0c:yIl2AUoC8zA"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=yIl2AUoC8zA" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=iLazrkLrARw:amCBuYZSt0c:qj6IDK7rITs"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=qj6IDK7rITs" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=iLazrkLrARw:amCBuYZSt0c:V_sGLiPBpWU"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=iLazrkLrARw:amCBuYZSt0c:V_sGLiPBpWU" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=iLazrkLrARw:amCBuYZSt0c:7Q72WNTAKBA"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=7Q72WNTAKBA" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=iLazrkLrARw:amCBuYZSt0c:F7zBnMyn0Lo"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=iLazrkLrARw:amCBuYZSt0c:F7zBnMyn0Lo" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=iLazrkLrARw:amCBuYZSt0c:gIN9vFwOqvQ"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=iLazrkLrARw:amCBuYZSt0c:gIN9vFwOqvQ" border="0"&gt;&lt;/img&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src="http://feeds.feedburner.com/~r/OakTreeMortgagesBlog/~4/iLazrkLrARw" height="1" width="1"/&gt;</content><feedburner:origLink>http://oaktreemortgages.typepad.com/calvins_blog/2009/09/the-first-time-buyer-90-mortgage-members-only.html</feedburner:origLink></entry>
    <entry>
        <title>Can we call the bottom of the property market?</title>
        <link rel="alternate" type="text/html" href="http://feedproxy.google.com/~r/OakTreeMortgagesBlog/~3/78S1rw5AXoU/can-we-call-the-bottom-of-the-property-market.html" />
        <link rel="replies" type="text/html" href="http://oaktreemortgages.typepad.com/calvins_blog/2009/06/can-we-call-the-bottom-of-the-property-market.html" thr:count="0" />
        <id>tag:typepad.com,2003:post-6a00e55207e19588330115716fb143970b</id>
        <published>2009-06-27T13:43:41+01:00</published>
        <updated>2009-07-02T11:50:20+01:00</updated>
        
        <author>
            <name>Calvin Oram</name>
        </author>
        
        <category scheme="http://sixapart.com/ns/types#tag" term="First Time Buyers" />
        <category scheme="http://sixapart.com/ns/types#tag" term="Property Market" />
        <category scheme="http://sixapart.com/ns/types#tag" term="Property prices" />
        


    <content type="html">What can I say? "I'm sorry" - for having been away from our blog for so long! "Where have you been?" I hear you ask. Well, I have been very pleasantly surprised by the level of activity in the market...&lt;div class="feedflare"&gt;
&lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=78S1rw5AXoU:nIVpshUBqxg:yIl2AUoC8zA"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=yIl2AUoC8zA" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=78S1rw5AXoU:nIVpshUBqxg:qj6IDK7rITs"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=qj6IDK7rITs" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=78S1rw5AXoU:nIVpshUBqxg:V_sGLiPBpWU"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=78S1rw5AXoU:nIVpshUBqxg:V_sGLiPBpWU" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=78S1rw5AXoU:nIVpshUBqxg:7Q72WNTAKBA"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=7Q72WNTAKBA" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=78S1rw5AXoU:nIVpshUBqxg:F7zBnMyn0Lo"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=78S1rw5AXoU:nIVpshUBqxg:F7zBnMyn0Lo" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=78S1rw5AXoU:nIVpshUBqxg:gIN9vFwOqvQ"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=78S1rw5AXoU:nIVpshUBqxg:gIN9vFwOqvQ" border="0"&gt;&lt;/img&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src="http://feeds.feedburner.com/~r/OakTreeMortgagesBlog/~4/78S1rw5AXoU" height="1" width="1"/&gt;</content><feedburner:origLink>http://oaktreemortgages.typepad.com/calvins_blog/2009/06/can-we-call-the-bottom-of-the-property-market.html</feedburner:origLink></entry>
    <entry>
        <title>The fixed rate dilema... is 2 years too short?</title>
        <link rel="alternate" type="text/html" href="http://feedproxy.google.com/~r/OakTreeMortgagesBlog/~3/MPL8DveJpl4/the-fixed-rate-dilema-is-2-years-too-short.html" />
        <link rel="replies" type="text/html" href="http://oaktreemortgages.typepad.com/calvins_blog/2009/02/the-fixed-rate-dilema-is-2-years-too-short.html" thr:count="2" thr:updated="2009-05-28T12:30:18+01:00" />
        <id>tag:typepad.com,2003:post-63289003</id>
        <published>2009-02-24T18:20:26+00:00</published>
        <updated>2009-06-29T11:41:17+01:00</updated>
        
        <author>
            <name>Calvin Oram</name>
        </author>
        
        <category scheme="http://sixapart.com/ns/types#tag" term="10% deposit" />
        <category scheme="http://sixapart.com/ns/types#tag" term="2 Year Fixed Rate" />
        <category scheme="http://sixapart.com/ns/types#tag" term="90% Mortgages" />
        <category scheme="http://sixapart.com/ns/types#tag" term="First Time Buyer Mortgages" />
        


    <content type="html">As any good cook will tell you, timing is everything. The same is true with fixed rate mortgages at the moment! Imagine you want a mortgage that allows you to budget for the next few years. You might be unsure...&lt;div class="feedflare"&gt;
&lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=MPL8DveJpl4:4yzvfvN23D4:yIl2AUoC8zA"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=yIl2AUoC8zA" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=MPL8DveJpl4:4yzvfvN23D4:qj6IDK7rITs"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=qj6IDK7rITs" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=MPL8DveJpl4:4yzvfvN23D4:V_sGLiPBpWU"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=MPL8DveJpl4:4yzvfvN23D4:V_sGLiPBpWU" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=MPL8DveJpl4:4yzvfvN23D4:7Q72WNTAKBA"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=7Q72WNTAKBA" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=MPL8DveJpl4:4yzvfvN23D4:F7zBnMyn0Lo"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=MPL8DveJpl4:4yzvfvN23D4:F7zBnMyn0Lo" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=MPL8DveJpl4:4yzvfvN23D4:gIN9vFwOqvQ"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=MPL8DveJpl4:4yzvfvN23D4:gIN9vFwOqvQ" border="0"&gt;&lt;/img&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src="http://feeds.feedburner.com/~r/OakTreeMortgagesBlog/~4/MPL8DveJpl4" height="1" width="1"/&gt;</content><feedburner:origLink>http://oaktreemortgages.typepad.com/calvins_blog/2009/02/the-fixed-rate-dilema-is-2-years-too-short.html</feedburner:origLink></entry>
    <entry>
        <title>A cut too far?</title>
        <link rel="alternate" type="text/html" href="http://feedproxy.google.com/~r/OakTreeMortgagesBlog/~3/KGaLDLWXLiU/a-cut-too-far.html" />
        <link rel="replies" type="text/html" href="http://oaktreemortgages.typepad.com/calvins_blog/2009/02/a-cut-too-far.html" thr:count="0" />
        <id>tag:typepad.com,2003:post-62258476</id>
        <published>2009-02-02T14:39:22+00:00</published>
        <updated>2009-07-09T15:05:10+01:00</updated>
        
        <author>
            <name>Calvin Oram</name>
        </author>
        
        <category scheme="http://sixapart.com/ns/types#tag" term="Bank Interest Rates" />
        <category scheme="http://sixapart.com/ns/types#tag" term="Base Rate Cut" />
        


    <content type="html">The Building Society Association (BSA), representing the interests of the remaining building societies in the United Kingdom, warned today that they wish to see no further rate cuts from the Bank of England As I have mentioned before - as...&lt;div class="feedflare"&gt;
&lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=KGaLDLWXLiU:DlGB3xaCY60:yIl2AUoC8zA"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=yIl2AUoC8zA" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=KGaLDLWXLiU:DlGB3xaCY60:qj6IDK7rITs"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=qj6IDK7rITs" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=KGaLDLWXLiU:DlGB3xaCY60:V_sGLiPBpWU"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=KGaLDLWXLiU:DlGB3xaCY60:V_sGLiPBpWU" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=KGaLDLWXLiU:DlGB3xaCY60:7Q72WNTAKBA"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?d=7Q72WNTAKBA" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=KGaLDLWXLiU:DlGB3xaCY60:F7zBnMyn0Lo"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=KGaLDLWXLiU:DlGB3xaCY60:F7zBnMyn0Lo" border="0"&gt;&lt;/img&gt;&lt;/a&gt; &lt;a href="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?a=KGaLDLWXLiU:DlGB3xaCY60:gIN9vFwOqvQ"&gt;&lt;img src="http://feeds.feedburner.com/~ff/OakTreeMortgagesBlog?i=KGaLDLWXLiU:DlGB3xaCY60:gIN9vFwOqvQ" border="0"&gt;&lt;/img&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src="http://feeds.feedburner.com/~r/OakTreeMortgagesBlog/~4/KGaLDLWXLiU" height="1" width="1"/&gt;</content><feedburner:origLink>http://oaktreemortgages.typepad.com/calvins_blog/2009/02/a-cut-too-far.html</feedburner:origLink></entry>
 
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