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    <title>Monty's Blog</title>
    <description>Blog</description>
    <link>http://www.cobalt-capital.co.uk/</link>
    <language>en</language>
    <pubDate>Wed, 23 Apr 2008 21:35:48 +0000</pubDate>
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      <title>Awards For Change</title>
      <description><![CDATA[A good night was had by all on Wednesday at the Mortgage Strategy Awards and another gong for Cobalt in the form of Best Broker for Technology. Highly deserved I say and well done to our General Manager and Techno Geek Matthew Lowndes for his sterling work.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/awards-for-change.html</link>
      <pubDate>Thu, 26 Feb 2009 12:34:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/awards-for-change.html</guid>
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      <title>Foxy's Lending Challenge</title>
      <description><![CDATA[Hello all, Sarah Fox-Clinch from sunny Bristol here again. Did anyone watch the University Challenge final the other night?  Gail Trimble basically won the thing on her own.  It's great to see someone with such knowledge and intellect doing well.  Gail for Prime Minister please!  ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/foxys-lending-challenge.html</link>
      <pubDate>Wed, 25 Feb 2009 12:33:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/foxys-lending-challenge.html</guid>
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      <title>A Day On The Rock</title>
      <description><![CDATA[Yesterday was one of those mad PR days which were very enjoyable but lots of rushing about and talking till my throat dried up. The subject? Good old Northern Rock.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-day-on-the-rock.html</link>
      <pubDate>Tue, 24 Feb 2009 12:31:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-day-on-the-rock.html</guid>
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      <title>Have Your Say</title>
      <description><![CDATA[What I love about the blog and <a href="http://twitter.com/">Twitter</a> is the interaction you begin to get with clients, other bloggers and the general public. That is the whole point of it and I thought I would share some of the feedback I have had.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/have-your-say.html</link>
      <pubDate>Fri, 20 Feb 2009 12:27:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/have-your-say.html</guid>
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      <title>Foxy's Financials - The Bristol Surge!</title>
      <description><![CDATA[As I sometimes seem to write myself into exhaustion we have a guest writer today which I reckon should be a regular event, not just to get me off the hook but because our Bristol office is very important to us and we should not forget there is life outside London! So here is the very wonderful Sarah Fox-Clinch aka Foxy!]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/foxys-financials---the-bristol-surge.html</link>
      <pubDate>Wed, 18 Feb 2009 12:26:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/foxys-financials---the-bristol-surge.html</guid>
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      <title>The UK Mortgage Massacre</title>
      <description><![CDATA[Statistics released yesterday by the Council of Mortgage Lenders showed that mortgage lending in 2008 was at it’s lowest ebb since 1974. Mortgages for purchasers were down a whopping 49% on 2007.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-uk-mortgage-massacre.html</link>
      <pubDate>Fri, 13 Feb 2009 12:25:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-uk-mortgage-massacre.html</guid>
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      <title>The Blame Game</title>
      <description><![CDATA[There was something mildly ironic about four of the previously most powerful men in the banking industry being chastised on the naughty step by a group of MP’s.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-blame-game.html</link>
      <pubDate>Wed, 11 Feb 2009 12:23:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-blame-game.html</guid>
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      <title>Twitter – I am being followed!</title>
      <description><![CDATA[In my lamentable race to keep up with technology this weekend I discovered <a href="http://twitter.com/home">Twitter</a>. This is to blogging what the microwave is to the oven. Short, sharp and to the point.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/twitter-i-am-being-followed.html</link>
      <pubDate>Mon, 09 Feb 2009 12:21:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/twitter-i-am-being-followed.html</guid>
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      <title>The Return of The FTB?</title>
      <description><![CDATA[Snowed in at home again today, but at least another rate cut means my mortgage, like many others out there, has gone down by another £185 per month. This is nice, but how long can this continue?]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-return-of-the-ftb.html</link>
      <pubDate>Fri, 06 Feb 2009 12:21:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-return-of-the-ftb.html</guid>
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      <title>House Prices Rise!</title>
      <description><![CDATA[Here is an interesting little piece of news. Halifax have released figures that show that house prices actually rose in January – now that’s a turn up for the books.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/house-prices-rise.html</link>
      <pubDate>Thu, 05 Feb 2009 12:19:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/house-prices-rise.html</guid>
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      <title>A Fit &amp; Proper Snowman</title>
      <description><![CDATA[I was very impressed yesterday by the quality and inventiveness of Cobalt’s fine staff in the snowman competition we ran yesterday. It shows that even in these tough times there is still fun to be had and it is important that we do not lose sight of that.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-fit-proper-snowman.html</link>
      <pubDate>Tue, 03 Feb 2009 12:18:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-fit-proper-snowman.html</guid>
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      <title>Snow Day!</title>
      <description><![CDATA[Ah it takes me back to when I was a fresh-faced innocent young lad. Waking up and seeing the winter wonderland and knowing that the school was going to be closed.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/snow-day.html</link>
      <pubDate>Mon, 02 Feb 2009 12:17:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/snow-day.html</guid>
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      <title>What's Wrong With A Bonus?</title>
      <description><![CDATA[Sorry for being so lax last week, but there were a lot of different things going on that are all very exciting. One thing that did catch my eye was the hubbub around bonuses for Northern Rock staff.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/whats-wrong-with-a-bonus.html</link>
      <pubDate>Mon, 26 Jan 2009 12:15:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/whats-wrong-with-a-bonus.html</guid>
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      <title>Another Cunning Plan To Boost Mortgage Lending?</title>
      <description><![CDATA[After accusations that I have been losing the plot last week, you know who you are, I thought I better concentrate on things closer to home than ancient civilisations.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/another-cunning-plan-to-boost-mortgage-lending.html</link>
      <pubDate>Tue, 20 Jan 2009 12:14:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/another-cunning-plan-to-boost-mortgage-lending.html</guid>
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      <title>Was Marx Right All Along Dear Comrades?</title>
      <description><![CDATA[Staying on the theme that all this economic woe was predicted ages ago, a quote has been forwarded to me by Brother Gill himself from none other than Karl Marx. It is below and represents food for thought over this lovely weekend.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/was-marx-right-all-along-dear-comrades.html</link>
      <pubDate>Fri, 16 Jan 2009 12:13:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/was-marx-right-all-along-dear-comrades.html</guid>
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      <title>Lowest Mortgage Rates Ever - Really?</title>
      <description><![CDATA[All the headlines at the moment are about HSBC and their ultra-low rate at 2.99%; so it is quite nice to know that we have access to a rate that is lower!]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/lowest-mortgage-rates-ever---really.html</link>
      <pubDate>Thu, 15 Jan 2009 12:12:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/lowest-mortgage-rates-ever---really.html</guid>
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      <title>The Time of No Time</title>
      <description><![CDATA[I read a lot of things in preparation of writing this mortgage blog, and search for inspiration with regards to the difficult times we are going through. This time I think I have found the explanation – predicted thousands of years ago by the Mayan’s.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-time-of-no-time.html</link>
      <pubDate>Tue, 13 Jan 2009 12:11:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-time-of-no-time.html</guid>
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      <title>History For The Bank of England Base Rate</title>
      <description><![CDATA[There you are then, the bookies were right and we only saw a half-hearted, half point cut in the Bank of England Base Rate today. This is, however, the lowest rate since 1697 so one musn’t grumble.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/history-for-the-bank-of-england-base-rate.html</link>
      <pubDate>Thu, 08 Jan 2009 12:09:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/history-for-the-bank-of-england-base-rate.html</guid>
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      <title>Economic Certainty?</title>
      <description><![CDATA[The say that the only economic certainty is that if you put 10 economists in a room you will get 10 different viewpoints and predictions.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/economic-certainty.html</link>
      <pubDate>Wed, 07 Jan 2009 12:08:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/economic-certainty.html</guid>
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      <title>A Cut, But By How Much?</title>
      <description><![CDATA[The debate this week is around the next expected cut in the Bank of England Base Rate that is likely to be announced, with the main question being how much the cut is going to be, either 1% or 0.5%]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-cut-but-by-how-much.html</link>
      <pubDate>Tue, 06 Jan 2009 12:07:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-cut-but-by-how-much.html</guid>
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      <title>Welcome Back To The Madhouse</title>
      <description><![CDATA[With the likelihood of another Interest Rate cut this week, the madhouse conditions here have started early this year.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/welcome-back-to-the-madhouse.html</link>
      <pubDate>Mon, 05 Jan 2009 12:06:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/welcome-back-to-the-madhouse.html</guid>
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      <title>The Ghosts of 2008</title>
      <description><![CDATA[The first meaningful statistics of the New Year were released today, and it seems that it may be 2009 but the ghosts of 2008 will continue to haunt us, and for some time yet.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-ghosts-of-2008.html</link>
      <pubDate>Fri, 02 Jan 2009 12:05:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-ghosts-of-2008.html</guid>
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      <title>Happy New Year</title>
      <description><![CDATA[So here we are in a brand new shiny sparkling year. I know it will be tough for many, but I wish you all the best and together we shall overcome and move forward.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/happy-new-year.html</link>
      <pubDate>Thu, 01 Jan 2009 12:04:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/happy-new-year.html</guid>
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      <title>The Robert Peston Story</title>
      <description><![CDATA[I watched Panorama, or The <a href="http://www.bbc.co.uk/blogs/thereporters/robertpeston/">Robert Peston</a> Story, last night and thoroughly enjoyed it. Personally I like Mr Peston and amid all the controversy and accusations that he caused some of the issues he has done a great job of explaining what is happening to the masses.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-robert-peston-story.html</link>
      <pubDate>Tue, 23 Dec 2008 12:03:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-robert-peston-story.html</guid>
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      <title>A Week Is A Long Time In This Industry</title>
      <description><![CDATA[Aha, well it has been a long week and I have been officially on annual leave, but without any internet at home – until now… not impressed with the new BT wireless yet, but early days I suppose…]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-week-is-a-long-time-in-this-industry.html</link>
      <pubDate>Mon, 22 Dec 2008 12:00:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-week-is-a-long-time-in-this-industry.html</guid>
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      <title>You Know What Really Grinds My Gears ?</title>
      <description><![CDATA[<p> Fans of the wonderfully funny <a href="http://www.bbc.co.uk/comedy/familyguy/">Family Guy</a> – check it out on BBC 3 – will know that the title refers to a TV news item where Peter gets to moan and speak out about everything that annoys him. </p> <p> For me at the moment, it’s the news. Generally. In fact more specifically it’s bad news and depressing statistics with some reporters seemingly delighted to report just how horrible everything is. </p> <p> Both the Government and the opposition grind my gears too. The detail in the much trumpeted plan to help people who are facing repossession is not exactly clear cut, and the reality is few people will actually qualify, while the decision to continue with the much-maligned HIP is a poor one. </p> <p> On the other hand the Conservative Opposition just comes across as moaning and unhelpful, with much criticism but little in the way of showing how they would do anything different let alone better. </p> <p> My personal political views are known to many but still, this has to be the poorest opposition we have had for a while, with even President Elect Obama reportedly labelling David Cameron as a “lightweight”, and that is not good for British Politics. </p> <p> But I suppose it is a season to be jolly and forget about our woes. As much as I usually like being Mr Bah Humbug, this year more than ever I am looking forward to a little break with my family. </p> <p> I fully intend to eat myself stupid, have a touch of nice wine and worry about getting rid of the fat and cellulite in the New Year. </p> <p> It was harder than I thought to get the word cellulite worked into this blog, which was the challenge given to me by the lovely Halina &&nbsp; Becky from the excellent <a href="http://www.awdrys.co.uk/">Awdry Bailey & Douglas Solicitors</a> after an inadvertent comment at the Cobalt Group Xmas party!!! Don't ask...but it was a fun night all round. </p> ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/you-know-what-really-grinds-my-gears-.html</link>
      <pubDate>Fri, 12 Dec 2008 11:59:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/you-know-what-really-grinds-my-gears-.html</guid>
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      <title>There’s A Light … &amp;#40;Over At The Frankenstein Place&amp;#41;</title>
      <description><![CDATA[There are statistics galore at the moment which from a cursory glance look as if they are saying broadly the same thing.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/theres-a-light-40over-at-the-frankenstein-place41.html</link>
      <pubDate>Tue, 09 Dec 2008 11:57:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/theres-a-light-40over-at-the-frankenstein-place41.html</guid>
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      <title>Attractive Mortgage Rates</title>
      <description><![CDATA[A few things have happened today which are of note, not least Abbey and C&G launching some attractive looking rates.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/attractive-mortgage-rates.html</link>
      <pubDate>Mon, 08 Dec 2008 11:56:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/attractive-mortgage-rates.html</guid>
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      <title>Ain’t No Stopping Us Now…</title>
      <description><![CDATA[Another day, another Government initiative. It took a while for them to creak into action, but now it seems there is no stopping them and you can’t fault Brown & Co. for trying.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/aint-no-stopping-us-now.html</link>
      <pubDate>Thu, 04 Dec 2008 11:54:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/aint-no-stopping-us-now.html</guid>
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      <title>House Prices Trough – Is Now The Time To Buy?</title>
      <description><![CDATA[Looking forward to next year, (where has this year gone?), I am already being asked about house prices and mortgage levels.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/house-prices-trough-is-now-the-time-to-buy.html</link>
      <pubDate>Tue, 02 Dec 2008 11:53:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/house-prices-trough-is-now-the-time-to-buy.html</guid>
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      <title>Hallelujah</title>
      <description><![CDATA[I was feeling melancholy all weekend, perhaps because I found out that one of my favourite songs is about to be ruined by whoever wins the X factor, and therefore had it going through my head over and over again.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hallelujah.html</link>
      <pubDate>Mon, 01 Dec 2008 11:51:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hallelujah.html</guid>
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      <title>It's Your Choice</title>
      <description><![CDATA[“Choose life. Choose a job. Choose a career. Choose a family. Choose a f***ing big television. Choose good health, low cholesterol and dental insurance. Choose fixed- interest mortgage repayments. Choose a starter home. Choose your friends. Choose sitting on that couch watching mind-numbing sprit- crushing game shows, stuffing junk food into your mouth. Choose your future. Choose life...”]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/its-your-choice.html</link>
      <pubDate>Wed, 26 Nov 2008 11:50:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/its-your-choice.html</guid>
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      <title>Government V Banks – Seconds Out, Round 2</title>
      <description><![CDATA[This week HSBC / First Direct finally got round to announcing changes to their variable rate by cutting 0.81%. Many may say thanks for nothing!]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/government-v-banks-seconds-out-round-2.html</link>
      <pubDate>Fri, 21 Nov 2008 11:49:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/government-v-banks-seconds-out-round-2.html</guid>
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      <title>Light In The Gloom</title>
      <description><![CDATA[It’s been a weekend of depressing stories in the press, quite apart from England’s cricket / rugby exploits, <a href="http://www.cherielunghi.com/">Cherie Lunghi </a>leaving Strictly Come Dancing, and also the fact that we all work hard for a living whilst a young <a href="http://tv.disney.go.com/disneychannel/hannahmontana/">Hannah Montana</a> is set to be a billionaire by age 20 !]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/light-in-the-gloom.html</link>
      <pubDate>Mon, 17 Nov 2008 11:47:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/light-in-the-gloom.html</guid>
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      <title>Key To Recovery Now In Lenders Hands</title>
      <description><![CDATA[With the recent sharp cuts in Bank Base Rate to 3%, and the fact that 3 month LIBOR has also now plummeted to 4.42%, it is tempting to believe that the credit crunch is now over. Unfortunately it is not as simple as that.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/key-to-recovery-now-in-lenders-hands.html</link>
      <pubDate>Tue, 11 Nov 2008 11:46:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/key-to-recovery-now-in-lenders-hands.html</guid>
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      <title>What lenders did next...</title>
      <description><![CDATA[Wow. What a day <a href="http://www.cobalt-group.co.uk/cobalt-blog-article/items/mortgage-news-article/items/interest-rates-cut-again.454.html">yesterday</a>. The biggest cut in rates since 1981 and the lowest rate since the 1950's took everyone by surprise even though we knew it was needed.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/what-lenders-did-next.html</link>
      <pubDate>Fri, 07 Nov 2008 11:44:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/what-lenders-did-next.html</guid>
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      <title>A New Generation...Now For The Hard Work</title>
      <description><![CDATA[It was hard not to get dragged in to the emotional outpouring that the historic election of Barack Obama caused, not just in the US, but around the world.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-new-generationnow-for-the-hard-work.html</link>
      <pubDate>Wed, 05 Nov 2008 11:43:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-new-generationnow-for-the-hard-work.html</guid>
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      <title>Vote Obama</title>
      <description><![CDATA[Here we are on November 4th, a day that could be historic not just in the eyes of the US, but in the eyes of the world.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/vote-obama.html</link>
      <pubDate>Tue, 04 Nov 2008 11:41:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/vote-obama.html</guid>
    </item>
    <item>
      <title>The New Frontier</title>
      <description><![CDATA[I woke up later than usual this morning as I have a week off trying to remind my son what I look like. But the requirements of a blog, and the fact that I actually enjoy writing it anyway, means I am on the computer whilst the young man is eating and throwing his mango porridge about the room!]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-new-frontier.html</link>
      <pubDate>Mon, 03 Nov 2008 11:39:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-new-frontier.html</guid>
    </item>
    <item>
      <title>“Sipping down Raki, and reading Maynard Keynes”</title>
      <description><![CDATA[For many people of a certain age <a href="http://en.wikipedia.org/wiki/John_Maynard_Keynes">John Maynard Keynes</a> is a bizarre mention in the classic <a href="http://www.deaconblue.com/">Deacon Blue</a> song Dignity, but this most unfashionable of economic theorists is making a comeback.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/sipping-down-raki-and-reading-maynard-keynes.html</link>
      <pubDate>Tue, 28 Oct 2008 11:38:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/sipping-down-raki-and-reading-maynard-keynes.html</guid>
    </item>
    <item>
      <title>0% Interest Rates?</title>
      <description><![CDATA[After celebrating a marvellous win for the mighty Reds over Chelsea that shattered their long-standing unbeaten home record it was back to earth with a bang this morning. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/id-0-interest-rates.html</link>
      <pubDate>Mon, 27 Oct 2008 11:37:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/id-0-interest-rates.html</guid>
    </item>
    <item>
      <title>Trigger Happy Lenders On The RepossessionTrail</title>
      <description><![CDATA[Riddle me this then Batman. If I pay in a cheque from Barclays Bank into my account with Barclays Bank, why does it still take 5 working days to clear? What do they do in that time? Answers on a postcard please.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/trigger-happy-lenders-on-the-repossessiontrail.html</link>
      <pubDate>Thu, 23 Oct 2008 11:36:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/trigger-happy-lenders-on-the-repossessiontrail.html</guid>
    </item>
    <item>
      <title>Bank Of England Base Rate &amp; Tracker Mortgages</title>
      <description><![CDATA[The MPC voted unanimously for the half per cent rate cut earlier this month — and rightly so. My only concern is that it's too little too late.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bank-of-england-base-rate-tracker-mortgages.html</link>
      <pubDate>Wed, 22 Oct 2008 11:35:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bank-of-england-base-rate-tracker-mortgages.html</guid>
    </item>
    <item>
      <title>Trench Warfare</title>
      <description><![CDATA[Last night I got home and slumped on a chair stating, “Every day is like putting on a helmet and crawling through the trenches, dodging the shrapnel and digging in”. Then I berated myself. Actually, it’s not. Get a grip. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/trench-warfare.html</link>
      <pubDate>Tue, 21 Oct 2008 11:34:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/trench-warfare.html</guid>
    </item>
    <item>
      <title>The Quiet Storm</title>
      <description><![CDATA[There was an eerie orange glow in the sky as I got up early this morning. It seemed quiet, almost too quiet! The newspapers did not have headlines on the front page about another bank going bust and things seem vaguely similar to Friday of last week, rather than another seismic shift in the financial world having occurred over the weekend.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-quiet-storm.html</link>
      <pubDate>Mon, 20 Oct 2008 11:33:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-quiet-storm.html</guid>
    </item>
    <item>
      <title>A Quick Pause For Breath - Then Into The New Dawn...</title>
      <description><![CDATA[It seems that the next few days may give us time to pause for breath after the events of the last few weeks reached a worldwide crescendo. I, for one, feel mentally exhausted trying to take in and analyse the quick fire changes, and the endless possibilities that could follow.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-quick-pause-for-breath---then-into-the-new-dawn.html</link>
      <pubDate>Thu, 16 Oct 2008 11:32:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-quick-pause-for-breath---then-into-the-new-dawn.html</guid>
    </item>
    <item>
      <title>Gordon Brown Saves The World!</title>
      <description><![CDATA[They say a week is a long time in politics; well a month is a lifetime. As certain papers proclaim the headline above, history will tell us whether <a href="http://news.bbc.co.uk/1/hi/business/7666570.stm">“The Brown/Darling Plan”</a>, which is set to be adopted all over the world, really will be the panacea for all the financial systems ills.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/gordon-brown-saves-the-world.html</link>
      <pubDate>Tue, 14 Oct 2008 11:30:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/gordon-brown-saves-the-world.html</guid>
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    <item>
      <title>Now We Are All Bankers Or Du Bist Ein Berliner !</title>
      <description><![CDATA[Another week, another landmark day. It looks like we now own about 60% of Royal Bank of Scotland and around 40% of HBOS. That is pretty incredible really and now we’re in charge there are going to be some changes!]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/now-we-are-all-bankers-or-du-bist-ein-berliner-.html</link>
      <pubDate>Mon, 13 Oct 2008 11:28:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/now-we-are-all-bankers-or-du-bist-ein-berliner-.html</guid>
    </item>
    <item>
      <title>Mortgage Tracker Rate Rant</title>
      <description><![CDATA[The Bank of England giveth, and the lenders taketh away ! Some lenders don’t help themselves do they ?]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-tracker-rate-rant.html</link>
      <pubDate>Fri, 10 Oct 2008 11:27:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-tracker-rate-rant.html</guid>
    </item>
    <item>
      <title>Banking Rescue Package is Go, but is it FAB?</title>
      <description><![CDATA[This morning a new and decisive Government, (well one that was heavily pressured by all and sundry), finally unveiled their <a href="http://news.bbc.co.uk/1/hi/business/7658277.stm">rescue plan</a> aimed at restoring confidence and liquidity to the UK banking system.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/banking-rescue-package-is-go-but-is-it-fab.html</link>
      <pubDate>Wed, 08 Oct 2008 11:24:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/banking-rescue-package-is-go-but-is-it-fab.html</guid>
    </item>
    <item>
      <title>Dithering Darling Decisively Defiant !</title>
      <description><![CDATA[Quick post as have just seen that Mr Darling is going to finally announce a "rescue package" for the British Banking System tomorrow morning before the markets open.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/dithering-darling-decisively-defiant-.html</link>
      <pubDate>Tue, 07 Oct 2008 11:23:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/dithering-darling-decisively-defiant-.html</guid>
    </item>
    <item>
      <title>Everybody Needs Everybody Else</title>
      <description><![CDATA[I am lucky enough to have a lot of friends within many of the lenders. I respect all of them and know the challenging conditions that they are working in at present. They are good people and are just as frustrated as many brokers and the general public with some of the actions of their employers during this crisis.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/everybody-needs-everybody-else.html</link>
      <pubDate>Tue, 07 Oct 2008 11:22:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/everybody-needs-everybody-else.html</guid>
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    <item>
      <title>Don't Mention The ... Credit Crunch</title>
      <description><![CDATA[This week promises to be another interesting one after the US bail-out plan was finally agreed and the Bank of England Base Rate decision due on Thursday]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/dont-mention-the-credit-crunch.html</link>
      <pubDate>Mon, 06 Oct 2008 11:21:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/dont-mention-the-credit-crunch.html</guid>
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    <item>
      <title>Mortgage Lending Reductions</title>
      <description><![CDATA[In its latest <a href="http://www.bankofengland.co.uk/publications/other/monetary/creditconditions.htm">report on current credit conditions</a> the Bank of England have re-iterated that many lenders will continue to make further cutbacks in their lending, both to businesses and home owners.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-lending-reductions.html</link>
      <pubDate>Thu, 02 Oct 2008 11:19:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-lending-reductions.html</guid>
    </item>
    <item>
      <title>Mojito's &amp; Mortgages</title>
      <description><![CDATA[Last night I was forced to drink Mojitos until 2 am so am feeling tired and emotional today.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mojitos-mortgages.html</link>
      <pubDate>Wed, 01 Oct 2008 11:17:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mojitos-mortgages.html</guid>
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    <item>
      <title>Bail-Out Plan Shocker</title>
      <description><![CDATA[Oh dear! To be honest that was not my exact reaction when I heard that the $700 billion bail-out had not been passed, but then if I printed my actual comments this site would be closed down!]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bail-out-plan-shocker.html</link>
      <pubDate>Tue, 30 Sep 2008 03:54:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bail-out-plan-shocker.html</guid>
    </item>
    <item>
      <title>Bradford Bingley and Other Stories</title>
      <description><![CDATA[For many of a certain age, Bradford & Bingley and their adverts of two gentleman wearing bowler hats, have been part of the fabric of all that is decent and British for a while.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bradford-bingley-and-other-stories.html</link>
      <pubDate>Mon, 29 Sep 2008 03:53:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bradford-bingley-and-other-stories.html</guid>
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    <item>
      <title>US Mortgage Bail Out</title>
      <description><![CDATA[Three weeks ago we seemed to be in the eye of the <a href="http://www.cobalt-group.co.uk/montys-blog-articles/items/montys-blog-articles/items/happy-birthday-dear-credit-crunch.html">credit crunch</a> storm; there was calmness and some green shoots. However, when you come out of the eye you arguably hit the worst part of the tempest and that is where we are now.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/us-mortgage-bail-out.html</link>
      <pubDate>Fri, 26 Sep 2008 03:50:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/us-mortgage-bail-out.html</guid>
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    <item>
      <title>Mortgage Rates on Alert</title>
      <description><![CDATA[Given the ongoing uncertainty in the markets following last weeks cataclysmic events, it looks as if almost every lender is about to reprice upwards. For those looking to grab some <a href="http://www.cobalt-capital.co.uk/capital-home-best-buys.html">good deals</a> it is worth locking in to something now.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-rates-on-alert.html</link>
      <pubDate>Thu, 25 Sep 2008 03:48:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-rates-on-alert.html</guid>
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    <item>
      <title>Fair's Fair</title>
      <description><![CDATA[They say that the best salespeople and the most intelligent economic thinkers do not necessarily mean that they make the best managers and leaders. In fact usually far from it, but yesterday Gordon Brown, (the latter camp ?), in his <a href="http://www.guardian.co.uk/politics/2005/sep/26/speeches.labourconference">Conference Speech </a>made a decent attempt to convince people that he can actually lead.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/fairs-fair.html</link>
      <pubDate>Wed, 24 Sep 2008 03:45:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/fairs-fair.html</guid>
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    <item>
      <title>Surprise - The End of An Era, The Beginning of Another</title>
      <description><![CDATA[I was lucky enough to indulge in a brief sojourn on Friday, not only to recharge my batteries after the mayhem of last week, but to attend the surprise wedding of Cobalt Managing Partner Julian Ingall to the lovely Julia.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/surprise---the-end-of-an-era-the-beginning-of-another.html</link>
      <pubDate>Mon, 22 Sep 2008 03:42:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/surprise---the-end-of-an-era-the-beginning-of-another.html</guid>
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    <item>
      <title>HBOS &amp; Lloyds TSB - updated ...</title>
      <description><![CDATA[Like many people in our industry, I have been glued to the screen watching the HBOS / Lloyds TSB news with avid interest. I have said before that we are in the midst of historic times, but I am not sure many of us realised just how historic.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hbos-lloyds-tsb---updated-.html</link>
      <pubDate>Thu, 18 Sep 2008 03:40:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hbos-lloyds-tsb---updated-.html</guid>
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    <item>
      <title>HBOS &amp; Lloyds TSB</title>
      <description><![CDATA[At the moment most people in our industry are glued to the screen watching the HBOS / Lloyds TSB news with avid interest. This could be another monumental day. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hbos-lloyds-tsb.html</link>
      <pubDate>Wed, 17 Sep 2008 03:38:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hbos-lloyds-tsb.html</guid>
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    <item>
      <title>Spare A Thought, Not Your Pennies, &amp;#40;Save Them !&amp;#41;</title>
      <description><![CDATA[Meltdown Monday drags into Trembling Tuesday there are a lot of people very angry that Lehman’s’ collapse was allowed to happen in the manner it did.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/spare-a-thought-not-your-pennies-40save-them-41.html</link>
      <pubDate>Tue, 16 Sep 2008 03:36:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/spare-a-thought-not-your-pennies-40save-them-41.html</guid>
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    <item>
      <title>The Big One 2 - Banking Crises Explodes</title>
      <description><![CDATA[When the Credit Crunch devoured Northern Rock I remember going into the main office and saying “We are living through history guys”, in the dramatic way that I tend to adopt sometimes. After yesterdays events, I realise I should have saved those words until today.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-big-one-2---banking-crises-explodes.html</link>
      <pubDate>Mon, 15 Sep 2008 03:33:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-big-one-2---banking-crises-explodes.html</guid>
    </item>
    <item>
      <title>More Mortgage Rate Cuts and More Milk Please</title>
      <description><![CDATA[Friday again, where has this week gone ? As I am a little under the weather I thought I would let my little Rafi write todays’ post…]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/more-mortgage-rate-cuts-and-more-milk-please.html</link>
      <pubDate>Fri, 12 Sep 2008 03:31:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/more-mortgage-rate-cuts-and-more-milk-please.html</guid>
    </item>
    <item>
      <title>Inflation Inflation Inflation</title>
      <description><![CDATA[This morning some key people from the <a href="http://www.bankofengland.co.uk/monetarypolicy/overview.htm">Monetary Policy Committee</a> including Mervyn himself have been chatting to a key Treasury Committee hearing. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/inflation-inflation-inflation.html</link>
      <pubDate>Thu, 11 Sep 2008 03:26:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/inflation-inflation-inflation.html</guid>
    </item>
    <item>
      <title>Fees Fees Glorious Fees !</title>
      <description><![CDATA[Yesterday I spent most of the day at the RBS Roadshow in London where amongst the speakers were Grenville Turner, Group Chief Executive of Countrywide and Phil “no we have not” Spencer of <a href="http://www.channel4.com/4homes/on-tv/location-location-location/">Location, Location, Location </a>fame.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/fees-fees-glorious-fees-.html</link>
      <pubDate>Wed, 10 Sep 2008 03:23:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/fees-fees-glorious-fees-.html</guid>
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      <title>The Price of Property</title>
      <description><![CDATA[Whilst enjoying a lovely homemade mushroom risotto last night I flicked over the TV to watch <a href="http://www.channel4.com/4homes/on-tv/the-price-of-property/the-price-of-property-programme-information-08-09-02_p_2.html">The Price of Property</a> on Channel 4.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-price-of-property.html</link>
      <pubDate>Tue, 09 Sep 2008 03:21:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-price-of-property.html</guid>
    </item>
    <item>
      <title>Credit Crunch End Game ?</title>
      <description><![CDATA[Leaving aside thoughts of <a href="http://www.cobalt-capital.co.uk/montys-blog-articles/items/end-of-the-world-on-wednesday-.html">particle accelerators and the world ending</a>, the US government have made what could prove to be a historically significant move by taking “Freddie and Fannie” under their wing.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/credit-crunch-end-game-.html</link>
      <pubDate>Mon, 08 Sep 2008 03:18:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/credit-crunch-end-game-.html</guid>
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    <item>
      <title>End of The World on Wednesday ?</title>
      <description><![CDATA[As it’s Friday I thought I would leave all talk of credit crunch and mortgages aside for a while, or maybe permanently as according to some it all won’t matter very much after Wednesday !]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/end-of-the-world-on-wednesday-.html</link>
      <pubDate>Fri, 05 Sep 2008 03:17:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/end-of-the-world-on-wednesday-.html</guid>
    </item>
    <item>
      <title>Bank of England Base Rate held at 5%</title>
      <description><![CDATA[Once again the <a href="http://www.bankofengland.co.uk/publications/news/2008/045.htm">Bank of England</a> has shown caution, a reluctance to make the rate cut that is urgently needed because of its strict remit to control inflation. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bank-of-england-base-rate-held-at-5.html</link>
      <pubDate>Thu, 04 Sep 2008 03:15:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bank-of-england-base-rate-held-at-5.html</guid>
    </item>
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      <title>Homebuy Direct Scheme</title>
      <description><![CDATA[Having had more time to peruse the governments proposals for the housing market yesterday there has been much discussion particularly about the <a href="http://www.telegraph.co.uk/money/main.jhtml?xml=/money/2008/09/02/bcnequity102.xml">Homebuy Direct Scheme</a> and it does not quite add up.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/homebuy-direct-scheme.html</link>
      <pubDate>Wed, 03 Sep 2008 03:13:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/homebuy-direct-scheme.html</guid>
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    <item>
      <title>Stamp Duty Changes - More Work Needed</title>
      <description><![CDATA[My alarm went off at 4.30 am this morning as I ambled bleary eyed to the BBC 5 live studios in Bristol for a crack of dawn comment on the Governments latest “fightback” proposals for the housing market.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/stamp-duty-changes---more-work-needed.html</link>
      <pubDate>Tue, 02 Sep 2008 03:12:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/stamp-duty-changes---more-work-needed.html</guid>
    </item>
    <item>
      <title>Mortgage Pressure Builds</title>
      <description><![CDATA[Pressure intensified today on our poor chancellor after he made some interesting comments about the state of the economic environment.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-pressure-builds.html</link>
      <pubDate>Mon, 01 Sep 2008 03:10:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-pressure-builds.html</guid>
    </item>
    <item>
      <title>Call For Interest Rate Cut</title>
      <description><![CDATA[In an interesting and rather provocative move, arch Dove member of the Monetary Policy Committee <a href="http://en.wikipedia.org/wiki/David_Blanchflower">Professor David Blanchflower </a>has broken ranks and called for a rate cut, right now and in a big way.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/call-for-interest-rate-cut.html</link>
      <pubDate>Fri, 29 Aug 2008 03:07:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/call-for-interest-rate-cut.html</guid>
    </item>
    <item>
      <title>Mortgage Porn</title>
      <description><![CDATA[Our dear Knightsbridge Sales Manager Roy Hardy sent me a copy of an email yesterday to a client which shows the vast change in mortgage rates from even a month ago. To brokers this is the equivalent of Mortgage Porn, you just gotta love it !]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-porn.html</link>
      <pubDate>Thu, 28 Aug 2008 03:05:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-porn.html</guid>
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    <item>
      <title>The London Mortgage Broker Bubble</title>
      <description><![CDATA[As a London Mortgage Broker it is sometimes difficult to look at the country as whole and take our heads out of the “London Bubble”. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-london-mortgage-broker-bubble.html</link>
      <pubDate>Wed, 27 Aug 2008 03:02:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-london-mortgage-broker-bubble.html</guid>
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    <item>
      <title>Competitive Mortgages From The Council ?</title>
      <description><![CDATA[In a blaze of fireworks and intricate dancing the Olympic spectacle came to a close, but not before we saw Mr <a href="http://www.olympics.org.uk/beijing2008/news.aspx?id=3367">Beckham and a red London bus</a> ! Although many will no doubt be a bit perturbed about a return to the mundane, it is important we all build on the good feeling <a href="http://www.olympics.org.uk/">Team GB</a> have left us with.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/competitive-mortgages-from-the-council-.html</link>
      <pubDate>Tue, 26 Aug 2008 03:00:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/competitive-mortgages-from-the-council-.html</guid>
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      <title>The Big One</title>
      <description><![CDATA[There is growing speculation amongst city analysts that another big jolt is about to hit. Talk of “The Big One” is intensifying which will involve the collapse of a big US investment Bank, a household name.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-big-one.html</link>
      <pubDate>Wed, 20 Aug 2008 02:54:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-big-one.html</guid>
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    <item>
      <title>The Gold Standard</title>
      <description><![CDATA[It’s nice to see the papers all proclaiming some good news for a change. On reportedly the most successful weekend for British Sport for 100 years, with <a href="http://www.olympics.org.uk/beijing2008/">Team GB</a> amassing 8 Golds at the Olympics, the “Feelgood Factor” is making a comeback.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-gold-standard.html</link>
      <pubDate>Mon, 18 Aug 2008 02:51:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-gold-standard.html</guid>
    </item>
    <item>
      <title>Mortgage Valuations Increase!</title>
      <description><![CDATA[Ok so the title of this random piece of prose is not strictly correct, but artistic license is allowed and there have been some interesting little changes that have been noted where valuations are concerned which is another sign of those famous "green shoots".]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-valuations-increase.html</link>
      <pubDate>Fri, 15 Aug 2008 02:50:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-valuations-increase.html</guid>
    </item>
    <item>
      <title>It’s Grim Oop North !</title>
      <description><![CDATA[Watching the team from my adopted spiritual city of <a href="http://www.liverpool08.com/">Liverpool (European City of Culture 2008)</a> stutter through 90 minutes of a Belgian whirlwind last night got me thinking, and chuckling inanely to myself, about this extraordinary piece of tosh that pretends to be a serious report from the <a href="http://www.policyexchange.org.uk/">Policy Exchange</a>.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/its-grim-oop-north-.html</link>
      <pubDate>Thu, 14 Aug 2008 02:43:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/its-grim-oop-north-.html</guid>
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      <title>Value Yourself</title>
      <description><![CDATA[New research by the Post Office has revealed that the average person in the UK thinks they are worth £350,000. In London this average rises to £500,000. This takes into account everything that they own or value in their life including home, car, salary etc..]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/value-yourself.html</link>
      <pubDate>Tue, 12 Aug 2008 02:42:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/value-yourself.html</guid>
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    <item>
      <title>Come In No. 10, Your Time Is Up !</title>
      <description><![CDATA[I would have thought that by now our beleaguered government would have known that before speaking it is best to engage brain! The idea of changing, either permanently or even partially, the antiquated laws of Stamp Duty, is of course a good one. Telling everyone they may offer a Stamp Duty holiday is not.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/come-in-no-10-your-time-is-up-.html</link>
      <pubDate>Mon, 11 Aug 2008 02:41:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/come-in-no-10-your-time-is-up-.html</guid>
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    <item>
      <title>Happy Birthday Dear Credit Crunch</title>
      <description><![CDATA[Ah, where does the time go? It only seems a matter of a few weeks ago that we were all looking at how much we could sell our properties for and stretch just that little bit to get our dream house with a nice cheap mortgage. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/happy-birthday-dear-credit-crunch.html</link>
      <pubDate>Tue, 05 Aug 2008 02:39:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/happy-birthday-dear-credit-crunch.html</guid>
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      <title>Mortgage Rates Back Where They Were A Year Ago</title>
      <description><![CDATA[According to the latest reports from Moneyfacts mortgage rates are pretty much back where they were a year ago just before the credit crunch hit. They state that the average rate on a two-year fixed deal is now 6.59% - almost the same as 6.56% in August 2007. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-rates-back-where-they-were-a-year-ago.html</link>
      <pubDate>Sat, 02 Aug 2008 02:58:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-rates-back-where-they-were-a-year-ago.html</guid>
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    <item>
      <title>Crosby Report - The Prologue</title>
      <description><![CDATA[Having finally got home at 9 o’clock last night after a long day, I settled down with a cuppa to read <a href="http://www.hm-treasury.gov.uk/documents/financial_services/mortgages/fin_mort_crosby.cfm" title="Sir James Crosby: mortgage finance markets">Sir James Crosby’s interim report</a> on Mortgage Finance and accompanying letter to our dear Chancellor. I thought it would be tough going, but I must say I found it quite a good read, well-written and informative, and even a cliff-hanger ending !]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/crosby-report---the-prologue.html</link>
      <pubDate>Wed, 30 Jul 2008 18:46:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/crosby-report---the-prologue.html</guid>
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      <title>Marvelous Mimi</title>
      <description><![CDATA[Something a little bit different first today and congratulations must go to the Cobalt Groups' and Cavendish's very own Tim Anderson, well more specifically to his wife Mimi who has just completed an astonishing feet of superhuman achievement.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/marvelous-mimi.html</link>
      <pubDate>Tue, 29 Jul 2008 18:45:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/marvelous-mimi.html</guid>
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    <item>
      <title>Mortgage Advice and Sales</title>
      <description><![CDATA[Yesterday I was in deepest Woodford filming with the wonderful freelance journalist Esther Shaw for MoneyExpert TV. Whilst we were doing our best Richard & Judy impressions, the first question that I was asked was about the latest Which ? survey which highlighted the fact that the quality of advise from mortgage advisers was overall pretty poor.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-advice-and-sales.html</link>
      <pubDate>Thu, 24 Jul 2008 18:43:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-advice-and-sales.html</guid>
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    <item>
      <title>Martin Lewis &amp; The Mortgage Maze</title>
      <description><![CDATA[Last night I settled on our nice new sofa, already stained with a little bit of baby sick, in front of the telly to watch a Tonight programme on mortgages with the usual sense of trepidation I guess most people in the industry feel when these programmes go out. Would it be another sensationalist slagging of the industry and all who work in it ?]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/martin-lewis-the-mortgage-maze.html</link>
      <pubDate>Tue, 22 Jul 2008 18:40:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/martin-lewis-the-mortgage-maze.html</guid>
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      <title>Bored Of The Credit Crunch</title>
      <description><![CDATA[Right, that's it, I am officially now bored with the credit crunch! I know it's interesting, and I know it's given us all alot to talk about but quite frankly it's time we moved on to other things. (I bet you £10 I mention it again by the end of next week !)]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bored-of-the-credit-crunch.html</link>
      <pubDate>Fri, 18 Jul 2008 18:38:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bored-of-the-credit-crunch.html</guid>
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    <item>
      <title>...And finally some good news...</title>
      <description><![CDATA[I spent all yesterday and this morning in my bed feeling shaky and with a nice high temperature, bemoaning the fact that I was too ill too travel up to watch The Open golf. Gutted.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/and-finally-some-good-news.html</link>
      <pubDate>Wed, 16 Jul 2008 18:36:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/and-finally-some-good-news.html</guid>
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    <item>
      <title>US Finance Jenga-Jigsaw</title>
      <description><![CDATA[I tried hard to avoid watching the news over the weekend and immerse myself in a 5 hour Ikea Jenga-Jigsaw building a new bed and accompanying storage head-board. However, with my now finished project seemingly alot more stable than the housing market in the US, the news was too interesting to keep away from. Well, it would be interesting if it did not effect us so much !]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/us-finance-jenga-jigsaw.html</link>
      <pubDate>Mon, 14 Jul 2008 18:35:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/us-finance-jenga-jigsaw.html</guid>
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    <item>
      <title>Return of the Rock</title>
      <description><![CDATA[No I am not talking about the wrestler / actor, but in fact the much maligned Northern Rock. I received a pleasing email from Northern Rock legend Ralph Punter this afternoon proving that people do actually read my blog. In fact 272 read it on our own website last week so thank you for that.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/return-of-the-rock.html</link>
      <pubDate>Wed, 09 Jul 2008 18:34:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/return-of-the-rock.html</guid>
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    <item>
      <title>Viva Espana 2 or Mortgage Rates And All Their Friends</title>
      <description><![CDATA[Sorry about the play on the new Coldplay album, but like most people I managed to catch the best tennis match in history at the weekend whilst trawling through some of the plethora of new mortgage rate changes on the market, I know sad eh, although I must admit the tennis took over and well done to Rafael Nadal who completed a great month for Spain. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/viva-espana-2-or-mortgage-rates-and-all-their-friends.html</link>
      <pubDate>Mon, 07 Jul 2008 18:32:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/viva-espana-2-or-mortgage-rates-and-all-their-friends.html</guid>
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    <item>
      <title>Bristol - Shopping Centre Of The World ?</title>
      <description><![CDATA[I am sitting in our plush offices in Bristol on the top floor of Colston Tower and looking out across the city and all the building work that is going on. I am reliably informed by my lovely Bristol colleagues that the new Cabot Circus, including Harvey Nicks, will put Bristol on the map for shopping.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bristol---shopping-centre-of-the-world-.html</link>
      <pubDate>Wed, 02 Jul 2008 18:31:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bristol---shopping-centre-of-the-world-.html</guid>
    </item>
    <item>
      <title>Fight Back</title>
      <description><![CDATA[Now I'm not one to usually watch Wimbledon, but I tuned in briefly last night as Andy Murray was on the brink of an undignified exit and watched with mounting excitement as he fought back through sheer determination until I was standing up and cheering like everyone else.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/fight-back.html</link>
      <pubDate>Tue, 01 Jul 2008 18:29:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/fight-back.html</guid>
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    <item>
      <title>Viva Espana !</title>
      <description><![CDATA[Seeing Torres score the goal that ensured a glorious Euro 2008 win for Spain last night was great, a well deserved win for those who play the beautiful game as it was meant to be played. Not only was it satisfying, but financially rewarding as for once I did actually put my money where my mouth was and backed Spain to win at the beginning of the tournament.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/viva-espana-.html</link>
      <pubDate>Mon, 30 Jun 2008 18:28:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/viva-espana-.html</guid>
    </item>
    <item>
      <title>Turn Of The Tide</title>
      <description><![CDATA[To quote the album title of Barclay James Harvests 1981 long player, (now there's one for the musos out there), there are lots of little things happening at the moment that could point to a "Turn Of The Tide" in the mortgage industry.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/turn-of-the-tide.html</link>
      <pubDate>Fri, 27 Jun 2008 18:26:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/turn-of-the-tide.html</guid>
    </item>
    <item>
      <title>In A Fix</title>
      <description><![CDATA[Those kind and gentle folk at Moneyfacts have released information that has been leaped upon by a hungry media pack that the average fixed rate is now over 7%.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/in-a-fix.html</link>
      <pubDate>Thu, 26 Jun 2008 18:25:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/in-a-fix.html</guid>
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    <item>
      <title>Landlords and Energy Performance Certificates</title>
      <description><![CDATA[I thought I would just post a quick reminder to all landlords out there about a change in the law that comes into play on October 1st.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/landlords-and-energy-performance-certificates.html</link>
      <pubDate>Wed, 25 Jun 2008 18:23:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/landlords-and-energy-performance-certificates.html</guid>
    </item>
    <item>
      <title>Media Myth</title>
      <description><![CDATA[A survey I chanced upon last week from Zurich UK Life stated that 21% of the public in the UK believe that the Credit Crunch is a "media created myth" !]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/media-myth.html</link>
      <pubDate>Mon, 23 Jun 2008 18:22:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/media-myth.html</guid>
    </item>
    <item>
      <title>Strawberries and cream</title>
      <description><![CDATA[A shock spike in retail sales during May — they jumped by 3.5% — has triggered renewed fears about interest rate rises, which would hit consumers and borrowers even harder just when they least need it. But I don't think this will be the case.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/strawberries-and-cream.html</link>
      <pubDate>Fri, 20 Jun 2008 18:20:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/strawberries-and-cream.html</guid>
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    <item>
      <title>Council Of Mortgage Lenders Figures</title>
      <description><![CDATA[The Council of Mortgage Lenders today reported that Gross Mortgage Lending was down 2% from the previous month in May, and a shade under 20% from this time last year.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/council-of-mortgage-lenders-figures.html</link>
      <pubDate>Thu, 19 Jun 2008 18:19:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/council-of-mortgage-lenders-figures.html</guid>
    </item>
    <item>
      <title>History, Tradition and Mortgages</title>
      <description><![CDATA[History and tradition play a massive part in the British way of life. We are all rightly proud of our heritage. When we look back in time events become clearer and history can be used to guide our futures. What history will tell us about the current financial crises we are in remains to be seen, but we can hazard a guess.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/history-tradition-and-mortgages.html</link>
      <pubDate>Wed, 18 Jun 2008 18:18:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/history-tradition-and-mortgages.html</guid>
    </item>
    <item>
      <title>That's What I'm Talking About ...</title>
      <description><![CDATA[Lee McQueen As someone who generally hates reality TV and all it stands for, The Apprentice stands alone as the most watchable and brilliant programme. It is a shame it is over for another year, but every time there are some things that we can all take away from it, especially in tough times.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/thats-what-im-talking-about-.html</link>
      <pubDate>Fri, 13 Jun 2008 18:16:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/thats-what-im-talking-about-.html</guid>
    </item>
    <item>
      <title>Changing Landscapes</title>
      <description><![CDATA[BBC Working Lunch Interesting stats today showed that mortgage lending was actually up slightly in April. However these stats also confirmed that the average mortgage application fee had risen from £517 in September 2006 to now stand at £860 - a whopping 66% increase. It is however, important to bear in mind that if fees were not as high then the interest rate would be higher - it is just a part of the whole product.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/changing-landscapes.html</link>
      <pubDate>Thu, 12 Jun 2008 18:14:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/changing-landscapes.html</guid>
    </item>
    <item>
      <title>Inflation Shock</title>
      <description><![CDATA[Rumours abound that the inflationary pressures in the economy are about to cause the Bank of England to raise rates from the current 5% level. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/inflation-shock.html</link>
      <pubDate>Tue, 10 Jun 2008 18:06:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/inflation-shock.html</guid>
    </item>
    <item>
      <title>Size Matters</title>
      <description><![CDATA[Having long been assured that actually size does not really matter, it seems that in the current market, actually the reverse is true. Size matters after all, especially when we are talking about large loans, i.e., mortgages of £1m or more, which is a market that is still active at the present time.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/size-matters.html</link>
      <pubDate>Fri, 06 Jun 2008 18:03:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/size-matters.html</guid>
    </item>
    <item>
      <title>Richard Taylor - The Mortgage Daddy</title>
      <description><![CDATA[It is with great sadness and huge regret that I need to inform you all that Richard Taylor, our Senior Partner at The Cobalt Group, passed away last week.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/richard-taylor---the-mortgage-daddy.html</link>
      <pubDate>Tue, 03 Jun 2008 17:56:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/richard-taylor---the-mortgage-daddy.html</guid>
    </item>
    <item>
      <title>Respect Yourself ...</title>
      <description><![CDATA[The Staple Singers had a point when they sang "If you don't respect yourself ain't nobody gonna give a good cahoot" ...]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/respect-yourself-.html.html</link>
      <pubDate>Fri, 30 May 2008 17:46:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/respect-yourself-.html.html</guid>
    </item>
    <item>
      <title>Rents Rising Up</title>
      <description><![CDATA[I did promise to get a picture up of Mini Monty so here you are. He looks nice and peaceful there unlike at 3 am this morning !!!]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/rents-rising-up.237.html</link>
      <pubDate>Thu, 22 May 2008 14:03:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/rents-rising-up.237.html</guid>
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      <title>The Eye Of The Storm</title>
      <description><![CDATA[It never ceases to amaze me that despite the almost blanket coverage the mortgage market has received since the credit crunch kicked in, how many people are only recently actually acknowledging that there are difficulties.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-eye-of-the-storm.html</link>
      <pubDate>Wed, 21 May 2008 07:52:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-eye-of-the-storm.html</guid>
    </item>
    <item>
      <title>Sleep Deprivation</title>
      <description><![CDATA[Ok so it has only been a few days since little Rafi, (pronounced as it looks), came along and changed my social life forever, but whatever people tell you about having a baby is true - you don't quite know what is coming. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/sleep-deprivation.html</link>
      <pubDate>Thu, 15 May 2008 17:18:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/sleep-deprivation.html</guid>
    </item>
    <item>
      <title>Mini Monty</title>
      <description><![CDATA[Cobalt Towers have been informed that baby Montlake has finally arrived into the world]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mini-monty.html</link>
      <pubDate>Tue, 13 May 2008 14:00:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mini-monty.html</guid>
    </item>
    <item>
      <title>Bank of England Base Rate</title>
      <description><![CDATA[The Monetary Policy Committee, (MPC), today ignored an economy that continues to falter and kept the Bank of England Base Rate on hold at 5%.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bank-of-england-base-rate.224.html</link>
      <pubDate>Thu, 08 May 2008 11:06:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bank-of-england-base-rate.224.html</guid>
    </item>
    <item>
      <title>Start Saving for deposits !</title>
      <description><![CDATA[Another lender has announced that from now new mortgage borrowers need to have at least a 10% deposit.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/start-saving-for-deposits-.html</link>
      <pubDate>Wed, 07 May 2008 11:52:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/start-saving-for-deposits-.html</guid>
    </item>
    <item>
      <title>Sea Change</title>
      <description><![CDATA[Still no sign of any new arrival. I don't really blame him/her for wanting to stay in a nice warm, cosy tummy avoiding the credit crunch ... ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/sea-change.html</link>
      <pubDate>Wed, 07 May 2008 11:06:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/sea-change.html</guid>
    </item>
    <item>
      <title>Justice for Northern Rock staff</title>
      <description><![CDATA[After spending the bank holiday weekend waiting for mini-Monty to appear, (now a week overdue and counting), it was quite unexpected that I was back in the office today.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/justice-for-northern-rock-staff.html</link>
      <pubDate>Tue, 06 May 2008 18:02:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/justice-for-northern-rock-staff.html</guid>
    </item>
    <item>
      <title>Lean Mean Mortgage Machine</title>
      <description><![CDATA[As any good Kenzai warrior will tell you, sorry Heroes reference again, tough times often mean tough action. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/lean-mean-mortgage-machine.html</link>
      <pubDate>Thu, 01 May 2008 11:07:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/lean-mean-mortgage-machine.html</guid>
    </item>
    <item>
      <title>Financial Black Hole</title>
      <description><![CDATA[My favourite story at the moment is of the scientists in Switzerland who, miles underground in a big laboratory, are about to try to recreate the Big Bang.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/financial-black-hole.html</link>
      <pubDate>Wed, 30 Apr 2008 10:55:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/financial-black-hole.html</guid>
    </item>
    <item>
      <title>City Talk</title>
      <description><![CDATA[Our man with his finger on the pulse of all things in the city, Rob Gill, gives us his weekly update :-]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/city-talk..html</link>
      <pubDate>Tue, 29 Apr 2008 13:19:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/city-talk..html</guid>
    </item>
    <item>
      <title>Buy To Let Has A Long Life Yet</title>
      <description><![CDATA[After having spent the weekend trying to put together a Bugaboo and put in a baby car seat, (don't even mention the blinds), the frustrations I felt trying to follow the instructions in order to make sure it all works a bit like applying for a mortgage in current times. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/buy-to-let-has-a-long-life-yet.html</link>
      <pubDate>Mon, 28 Apr 2008 17:24:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/buy-to-let-has-a-long-life-yet.html</guid>
    </item>
    <item>
      <title>Hard Change</title>
      <description><![CDATA[Today, I thought I would share my un-edited column that I wrote for Money Marketing. Apart from the fact it means I don't have to think of anything else to write, I think it is important to re-iterate these points in the ever-changing market we now face. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hard-change.html</link>
      <pubDate>Fri, 25 Apr 2008 09:20:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hard-change.html</guid>
    </item>
    <item>
      <title>Heroes</title>
      <description><![CDATA[Today I have mostly been arguing with an electritian about the fact that my newly done-up house was meant to be all wired up a certain way - but wasn't. As a result I have had not had any TV for a week and was getting very nervous with the new series of Heroes starting tonight. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/heroes.html</link>
      <pubDate>Thu, 24 Apr 2008 15:52:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/heroes.html</guid>
    </item>
    <item>
      <title>Farmyard Scrap</title>
      <description><![CDATA[A year ago lenders were falling over themselves to lend money to all and sundry. The supply of mortgages and cheap money was incredibly high, and demand was high as well - a perfect combo.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/farmyard-scrap.html</link>
      <pubDate>Wed, 23 Apr 2008 13:03:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/farmyard-scrap.html</guid>
    </item>
    <item>
      <title>Green Shoots of Recovery ?</title>
      <description><![CDATA[At last a little bit of positive move, albeit a slight one. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/green-shoots-of-recovery.html</link>
      <pubDate>Tue, 22 Apr 2008 12:45:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/green-shoots-of-recovery.html</guid>
    </item>
    <item>
      <title>A Cunning Plan</title>
      <description><![CDATA[It was nice to see the government hatch their cunning plan to get things back on track in the lending markets. For some reason just telling lenders to pass on the rate cuts and not be so nasty did not work!]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-cunning-plan.html</link>
      <pubDate>Mon, 21 Apr 2008 08:58:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-cunning-plan.html</guid>
    </item>
    <item>
      <title>Our New Website</title>
      <description><![CDATA[Apologies for the radio silence for a week but things have been a bit crazy in the wonderful world of mortgages.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/our-new-website.html</link>
      <pubDate>Mon, 21 Apr 2008 08:53:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/our-new-website.html</guid>
    </item>
    <item>
      <title>Bank of England Base Rate</title>
      <description><![CDATA[In a dazzling display of dour predictability the Bank of England today cut rates by the expected 0.25% to 5.0%.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bank-england-base-rate.html</link>
      <pubDate>Fri, 11 Apr 2008 11:29:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bank-england-base-rate.html</guid>
    </item>
    <item>
      <title>Media Frenzy</title>
      <description><![CDATA[Last week went by in a media frenzy as the headlines were dominated by mortgage related stories. To be honest I enjoyed my trips to the BBC and the visit by ITN as well as speaking to many of the national press journalistic elite.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/media-frenzy.html</link>
      <pubDate>Mon, 07 Apr 2008 09:05:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/media-frenzy.html</guid>
    </item>
    <item>
      <title>Financial Dance-Off</title>
      <description><![CDATA[As the financial industry lurches upon the rough seas of the Credit Crunch some interesting theories have begun to emerge with regards to the circumstances we all find ourselves in.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/financial-dance-off.154.html</link>
      <pubDate>Thu, 03 Apr 2008 09:10:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/financial-dance-off.154.html</guid>
    </item>
    <item>
      <title>Mortgage Products Shrink</title>
      <description><![CDATA[We all know that we are sailing through choppy waters at the moment, but it really hits home when you look at the actual reduction in the number of mortgage products available at the moment.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-products-shrink.html</link>
      <pubDate>Wed, 26 Mar 2008 16:30:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-products-shrink.html</guid>
    </item>
    <item>
      <title>Weekly City Update</title>
      <description><![CDATA[If you need to reach rock bottom before you can start climbing again, many will be hoping that the downfall of Bear Stearns marks such a bottom for the credit crisis.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-city-update.html</link>
      <pubDate>Tue, 25 Mar 2008 16:29:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-city-update.html</guid>
    </item>
    <item>
      <title>CML Lending Figures</title>
      <description><![CDATA[The CML's gross lending figures for February, showing a decline of 7% on January to around £24 billion, weren't as bad as some had expected but are a good reflection of what's happening in the mortgage market at present.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/cml-lending-figures.html</link>
      <pubDate>Thu, 20 Mar 2008 16:27:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/cml-lending-figures.html</guid>
    </item>
    <item>
      <title>HBOS Support Group</title>
      <description><![CDATA[It does not come as a particular surprise to anyone, but news from the Citizens' Advice Service shows that record levels of people are worried and looking for help with rising debt levels.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hbos-support-group.html</link>
      <pubDate>Thu, 20 Mar 2008 16:12:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hbos-support-group.html</guid>
    </item>
    <item>
      <title>Record Levels of Debt</title>
      <description><![CDATA[It does not come as a particular surprise to anyone, but news from the Citizens' Advice Service shows that record levels of people are worried and looking for help with rising debt levels.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/record-levels-of-debt.html</link>
      <pubDate>Mon, 17 Mar 2008 16:26:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/record-levels-of-debt.html</guid>
    </item>
    <item>
      <title>Buy To Let To Last</title>
      <description><![CDATA[At the end of last week I was fortunate to spend a couple of very educational days at the Buy To Let Summit.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/buy-to-let-to-last.html</link>
      <pubDate>Mon, 17 Mar 2008 16:16:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/buy-to-let-to-last.html</guid>
    </item>
    <item>
      <title>Weekly Market Update</title>
      <description><![CDATA[The US suffered 2 Northern Rock style crisis last week. Firstly U$ 22bn hedge fund Carlyle Capital Corporation collapsed as all 14 of it’s creditor banks called in their debts.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-market-update.html</link>
      <pubDate>Mon, 17 Mar 2008 16:14:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-market-update.html</guid>
    </item>
    <item>
      <title>Up, Up and Away For Mortgage Rates ?</title>
      <description><![CDATA[I see Halifax, amongst others, are increasing their tracker rates again today which in isolation is not so much of an issue. Taken in the context of the last few weeks, I have never known such a situation.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/up-up-and-away-for-mortgage-rates-.html</link>
      <pubDate>Wed, 12 Mar 2008 16:17:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/up-up-and-away-for-mortgage-rates-.html</guid>
    </item>
    <item>
      <title>Weekly Mortgage Update</title>
      <description><![CDATA[Our very own Rob Gill - the man of the markets - gives us the following overview :-]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-mortgage-update.html</link>
      <pubDate>Tue, 11 Mar 2008 16:23:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-mortgage-update.html</guid>
    </item>
    <item>
      <title>Unfair Bank Charges</title>
      <description><![CDATA[I have just fallen victim to an unfair charge !]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/unfair-bank-charges.html</link>
      <pubDate>Tue, 11 Mar 2008 16:19:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/unfair-bank-charges.html</guid>
    </item>
    <item>
      <title>Stamp Out Stamp Duty</title>
      <description><![CDATA[Halifax have released a report showing that stamp duty for first time buyers has doubled over the past 5 years.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/stamp-out-stamp-duty.html</link>
      <pubDate>Mon, 10 Mar 2008 16:20:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/stamp-out-stamp-duty.html</guid>
    </item>
    <item>
      <title>Mortgage Lender Criteria Changes</title>
      <description><![CDATA[Woolwich have just announced that loans over £1m will be priced individually in a move that has come out of the blue.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-lender-criteria-changes.html</link>
      <pubDate>Fri, 07 Mar 2008 16:21:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-lender-criteria-changes.html</guid>
    </item>
    <item>
      <title>Bank of England Base Rate Held</title>
      <description><![CDATA[It's a shame that the Bank of England decided to hold interest rates at 5.25%, but this time the Monetary Policy Committee found itself in a no-win situation.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bank-of-england-base-rate-held.html</link>
      <pubDate>Thu, 06 Mar 2008 16:36:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bank-of-england-base-rate-held.html</guid>
    </item>
    <item>
      <title>Weekly Update</title>
      <description><![CDATA[Consumer confidence has sunk to a 13 year low according to the index of confidence compiled by a leading survey group. This, coupled with evidence of a cooling housing market from both the Land Registry and Nationwide, has lead to 80% of economist polled forecasting a further 0.25% rate cut in May.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-update.html</link>
      <pubDate>Mon, 03 Mar 2008 16:38:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-update.html</guid>
    </item>
    <item>
      <title>Landlords Beware</title>
      <description><![CDATA[I read an entertaining article over the weekend, unfortunately cannot remember where, about the risks that landlords face when they do not keep a proper track of what is happening with their properties.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/landlords-beware.html</link>
      <pubDate>Mon, 03 Mar 2008 16:37:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/landlords-beware.html</guid>
    </item>
    <item>
      <title>Don't get carried away by Property Prices</title>
      <description><![CDATA[Nationwide have just released their latest house price report showing that prices have fallen for the fourth month in a row.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/dont-get-carried-away-by-property-prices.html</link>
      <pubDate>Fri, 29 Feb 2008 16:47:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/dont-get-carried-away-by-property-prices.html</guid>
    </item>
    <item>
      <title>First Time Buyer Mortgages</title>
      <description><![CDATA[Some interesting research by Abbey has shown that "British parents have collectively forked out more than £27 billion to help their children buy first homes" which averages out at £5,874. Also around 1 in 16 borrow money from parents with an average loan of just under £20,000.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/first-time-buyer-mortgages.html</link>
      <pubDate>Thu, 28 Feb 2008 16:49:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/first-time-buyer-mortgages.html</guid>
    </item>
    <item>
      <title>Cobalt &amp; Cavendish</title>
      <description><![CDATA[Good news here in that we have finally completed the acquisition of Cavendish Mortgages.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/cobalt-cavendish.html</link>
      <pubDate>Thu, 28 Feb 2008 16:48:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/cobalt-cavendish.html</guid>
    </item>
    <item>
      <title>Don't Panic 2</title>
      <description><![CDATA[So the question is did the rogue trader, (who in the picture I have seen looks a little like Tom Cruise !), from Soc. Gen. set off the panic that gripped the Fed earlier this week leading to the 75 point cut in US rates ?]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/dont-panic-2.html</link>
      <pubDate>Mon, 25 Feb 2008 17:09:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/dont-panic-2.html</guid>
    </item>
    <item>
      <title>100% + Mortgages &amp;#40;3&amp;#41;</title>
      <description><![CDATA[That's it then...the end of an era as BM and Mortgage Express pull their 100% plus range of mortgage products. I think that just leave Dunfermline Building Society in Scotland and Scottish Widows on a professional basis that offers something similar.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/id-100-mortgages-40341.html</link>
      <pubDate>Fri, 22 Feb 2008 16:50:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/id-100-mortgages-40341.html</guid>
    </item>
    <item>
      <title>Long Term Fixed Rate Mortgages</title>
      <description><![CDATA[It is interesting that Mr Darling keeps banging on about long term fixed rates without actually demonstrating a full understanding of the mortgage market and indeed human nature.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/long-term-fixed-rate-mortgages.html</link>
      <pubDate>Thu, 21 Feb 2008 16:53:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/long-term-fixed-rate-mortgages.html</guid>
    </item>
    <item>
      <title>100% + Mortgages &amp;#40;2&amp;#41;</title>
      <description><![CDATA[What a surprise - the government has wasted no time in withdrawing Northern Rocks much-maligned but very popular Together product.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/id-100-mortgages-40241.html</link>
      <pubDate>Thu, 21 Feb 2008 16:52:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/id-100-mortgages-40241.html</guid>
    </item>
    <item>
      <title>100% + Mortgages</title>
      <description><![CDATA[Are we going to soon see the end of an era ? With news that Alliance & Leicester and Abbey are to pull their 100% + mortgage products it can only be a matter of time until the few remaining lenders do the same. This would mainly be due to having to stop the amount of business that will flow to the few lenders providing such a product as competition recedes. No one lender will want to have such an exposure all by themselves.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/id-100-mortgages.html</link>
      <pubDate>Wed, 20 Feb 2008 16:55:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/id-100-mortgages.html</guid>
    </item>
    <item>
      <title>Northern Rock and other Short Stories</title>
      <description><![CDATA[After a lovely relaxing weekend spent mainly down the shopping isles of Ikea and Ilver (check out their meatballs, chips and gravy - magnificent), I come back to find our poor, beleaguered Chancellor up against it again.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/northern-rock-and-other-short-stories.html</link>
      <pubDate>Mon, 18 Feb 2008 16:58:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/northern-rock-and-other-short-stories.html</guid>
    </item>
    <item>
      <title>Green Mortgage Brokers</title>
      <description><![CDATA[Now I am all for getting into the whole spirit of "green" issues, personally I think it is very important, but one of our top consultants stated last week in the pub that he wanted to spend more time working from home.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/green-mortgage-brokers.html</link>
      <pubDate>Mon, 18 Feb 2008 16:57:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/green-mortgage-brokers.html</guid>
    </item>
    <item>
      <title>Inflation</title>
      <description><![CDATA[So inflation has risen slightly to 2.2% in January, up a smidgen from 2.1% in December.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/inflation.html</link>
      <pubDate>Tue, 12 Feb 2008 16:59:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/inflation.html</guid>
    </item>
    <item>
      <title>Mortgage Lessons</title>
      <description><![CDATA[An interesting little article in Mortgage Solutions this week reports that a recent survey shows that two-thirds of the public do not understand the different mortgage options available to them and have no knowledge of Bank Base or what a tracker mortgage was. Also a reported 59% of homeowners did not even know what their own mortgage rate is now.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-lessons.html</link>
      <pubDate>Mon, 11 Feb 2008 17:00:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-lessons.html</guid>
    </item>
    <item>
      <title>Banks Pass On Base Change</title>
      <description><![CDATA[The good news is that most of the biggest banks and building societies have passed on the full 0.25% rate cut yesterday.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/banks-pass-on-base-change.html</link>
      <pubDate>Fri, 08 Feb 2008 17:01:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/banks-pass-on-base-change.html</guid>
    </item>
    <item>
      <title>Mortgage Awards</title>
      <description><![CDATA[On Tuesday night we attended the annual Mortgage Oscars - the Mortgage Strategy Awards at Grosvenor House in London attended by 100 mortgage professionals and journalists - no jokes !]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-awards.html</link>
      <pubDate>Thu, 07 Feb 2008 17:03:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-awards.html</guid>
    </item>
    <item>
      <title>Bank of England Base Rate</title>
      <description><![CDATA[It was no surprise that the Monetary Policy Committee, (MPC), bowed to continuous pressure and cut the Bank of England Base Rate by another quarter point to 5.25% today.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bank-of-england-base-rate.html</link>
      <pubDate>Thu, 07 Feb 2008 17:02:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/bank-of-england-base-rate.html</guid>
    </item>
    <item>
      <title>Upbeat Mortgage Brokers</title>
      <description><![CDATA[I am sat here with one of our business writers and he is feeling a little unloved after a negative meeting with one of the mortgage lenders.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/upbeat-mortgage-brokers.html</link>
      <pubDate>Tue, 05 Feb 2008 17:04:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/upbeat-mortgage-brokers.html</guid>
    </item>
    <item>
      <title>New Build Properties</title>
      <description><![CDATA[New Builds are back in the public eye again prior to tonights episode of Panorama which will no doubt approach the subject with a certain degree of subtlety and paint the whole property industry as crooks.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/new-build-properties.html</link>
      <pubDate>Mon, 04 Feb 2008 17:05:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/new-build-properties.html</guid>
    </item>
    <item>
      <title>Back In The Real World</title>
      <description><![CDATA[Having just spent three wonderful days in the sunny French Alps skiing like a demon with some well-known financial journalists it is back to earth with a bang.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/back-in-the-real-world.html</link>
      <pubDate>Thu, 31 Jan 2008 17:07:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/back-in-the-real-world.html</guid>
    </item>
    <item>
      <title>Offshore Mortgages</title>
      <description><![CDATA[Having just organised a complex offshore mortgage for a client living in Pakistan and having had a couple of US citizens looking for similar products it is interesting to note that since the beginning of this year offshore mortgage enquiries have increased.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/offshore-mortgages.html</link>
      <pubDate>Fri, 25 Jan 2008 17:08:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/offshore-mortgages.html</guid>
    </item>
    <item>
      <title>Short Lease Mortgages</title>
      <description><![CDATA[Interesting to see how many short-lease mortgage enquiries we are getting since the start of the year.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/short-lease-mortgages.html</link>
      <pubDate>Wed, 23 Jan 2008 17:10:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/short-lease-mortgages.html</guid>
    </item>
    <item>
      <title>Sale and Rent Backs</title>
      <description><![CDATA[The growing practice of "sale and rent back" is an emotive issue that has been getting more and more attention in recent months.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/sale-and-rent-backs.html</link>
      <pubDate>Tue, 22 Jan 2008 17:12:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/sale-and-rent-backs.html</guid>
    </item>
    <item>
      <title>Don't Panic Mr Mainwaring...</title>
      <description><![CDATA[So the Fed have cut US rates by 0.75% today in an extraordinary move which is a sure sign of panic that the US is moving into a swift recession. The last two such surprise cuts were on 17 September 2001, after the 9/11 attacks, and on 3 January 2001, in the wake of the dot com bust.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/dont-panic-mr-mainwaring.html</link>
      <pubDate>Tue, 22 Jan 2008 17:11:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/dont-panic-mr-mainwaring.html</guid>
    </item>
    <item>
      <title>Mortgage Lending Figures</title>
      <description><![CDATA[Interesting to see the latest stats. from the CML re: mortgage lending figures in 2007.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-lending-figures.html</link>
      <pubDate>Mon, 21 Jan 2008 17:15:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-lending-figures.html</guid>
    </item>
    <item>
      <title>Awards</title>
      <description><![CDATA[Sorry about the day off yesterday but we had our Cobalt Group awards at a splendid Chinese Restaurant in the city.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/awards.html</link>
      <pubDate>Fri, 18 Jan 2008 17:16:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/awards.html</guid>
    </item>
    <item>
      <title>Weekly Update</title>
      <description><![CDATA[This is an offset product which can provide a flexible facility and a tax efficient savings vehicle, ideal for City clients with bonus income and good monthly salaries.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-update.62.html</link>
      <pubDate>Wed, 16 Jan 2008 18:32:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-update.62.html</guid>
    </item>
    <item>
      <title>Service</title>
      <description><![CDATA[Those looking for a mortgage need to take the service side of the process into account more than ever as often those lenders that offer some of the best rates let themselves down with poor processing.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/service.html</link>
      <pubDate>Tue, 15 Jan 2008 18:33:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/service.html</guid>
    </item>
    <item>
      <title>To blog or not to blog...</title>
      <description><![CDATA[I'm reading a good book at the moment called Naked Conversations all about the power of blogging. It was recommended by our PR guru Dominic Hiatt of the ridiculously named Rhizome PR, (they are good though !), and I must say its been a bit of a revelation.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/to-blog-or-not-to-blog.html</link>
      <pubDate>Mon, 14 Jan 2008 18:37:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/to-blog-or-not-to-blog.html</guid>
    </item>
    <item>
      <title>10 Year Fix</title>
      <description><![CDATA[I see Scottish Widows have produced a new 10 year fixed rate which no doubt will warm the cockles of the Chancellor in his bid to get more lenders to offer longer term rates.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/id-10-year-fix.html</link>
      <pubDate>Mon, 14 Jan 2008 18:36:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/id-10-year-fix.html</guid>
    </item>
    <item>
      <title>A Quick cut ?</title>
      <description><![CDATA[When you are on the standard variable rate of one of the reported 18 lenders who have not lowered their own rate in light of the most recent cut. Moneysupermarket.com also found that 16 further lenders had passed on the full rate cut - as reported by Mortgage Strategy.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-quick-cut-.html</link>
      <pubDate>Mon, 14 Jan 2008 18:36:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-quick-cut-.html</guid>
    </item>
    <item>
      <title>Grenola</title>
      <description><![CDATA[The nationally renowned national freelance journalist Esther Shaw has asked me to mention that today I have just been eating home-made grenola.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/grenola.html</link>
      <pubDate>Mon, 14 Jan 2008 18:34:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/grenola.html</guid>
    </item>
    <item>
      <title>Base Rate</title>
      <description><![CDATA[Will the MPC yield to the pressure or tough it out for another month - the excitement is unbearable !]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/base-rate.html</link>
      <pubDate>Thu, 10 Jan 2008 18:39:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/base-rate.html</guid>
    </item>
    <item>
      <title>Cobalt Capital Rate Update</title>
      <description><![CDATA[The Bank of England have held out against the increasing pressure and decided to keep rates held at 5.50%.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/cobalt-capital-rate-update.html</link>
      <pubDate>Thu, 10 Jan 2008 18:38:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/cobalt-capital-rate-update.html</guid>
    </item>
    <item>
      <title>M&amp;S Report link to Base Cut</title>
      <description><![CDATA[Interesting to see the Marks & Spencers report that they have seen a fall in sales over the festive period. Other retailers have also reported a poor period and this heaps pressure on the MPC to cut rates this month.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/ms-report-link-to-base-cut.html</link>
      <pubDate>Wed, 09 Jan 2008 18:40:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/ms-report-link-to-base-cut.html</guid>
    </item>
    <item>
      <title>Soliloquy of Silence</title>
      <description><![CDATA[It’s hard sometimes to try and keep positive in the gloomy mist that pervades around us all at the present time. Cuts here, cuts there, headlines proclaiming the end of all things, whilst the bells ring out the death knell of many a decent company]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/soliloquy-of-silence.html</link>
      <pubDate>Wed, 09 Jan 2008 12:10:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/soliloquy-of-silence.html</guid>
    </item>
    <item>
      <title>Weekly Review</title>
      <description><![CDATA[This is an offset product which can provide a flexible facility and a tax efficient savings vehicle, ideal for City clients with bonus income and good monthly salaries.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-review.html</link>
      <pubDate>Tue, 08 Jan 2008 18:44:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-review.html</guid>
    </item>
    <item>
      <title>Interesting Article In The Observer</title>
      <description><![CDATA[News of falling interest rates is always music to homeowners' ears - and never more so as we enter a new year where lending is poised to be more difficult and more expensive. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/interesting-article-in-the-observer.html</link>
      <pubDate>Tue, 08 Jan 2008 18:41:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/interesting-article-in-the-observer.html</guid>
    </item>
    <item>
      <title>A Year in Review</title>
      <description><![CDATA[Wow, what a year that was! We started guns-a-blazing with lenders falling over themselves to give money away and ended with a credit crunch, the decline of Northern Rock and a tightening of lenders’ criteria across the board.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-year-in-review.html</link>
      <pubDate>Mon, 07 Jan 2008 18:47:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/a-year-in-review.html</guid>
    </item>
    <item>
      <title>Hip, Hip, oh Whatever !</title>
      <description><![CDATA[The HIPS circus finally limps over the finish line on Friday with most of the spectators having gone home apathetic and disinterested. It is a shame because Hips in themselves are not the worst idea in the world.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hip-hip-oh-whatever-.html</link>
      <pubDate>Thu, 13 Dec 2007 18:49:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hip-hip-oh-whatever-.html</guid>
    </item>
    <item>
      <title>Get In The Ring</title>
      <description><![CDATA[I am feeling very bleary eyed after watching the Hatton fight, (nothing to do with the Cobalt Christmas party last week which I could not possibly talk about !), and thought about his amazing spirit when taking on a truly great boxer in his own back yard.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/get-in-the-ring.html</link>
      <pubDate>Mon, 10 Dec 2007 18:50:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/get-in-the-ring.html</guid>
    </item>
    <item>
      <title>Rate Caution</title>
      <description><![CDATA[It was interesting to read the minutes of the recent Bank of England Monetary Policy Committee meeting. Only two of the members argued for a cut in rates, whilst the other seven were determined to maintain the 5.75% figure.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/rate-caution.html</link>
      <pubDate>Mon, 26 Nov 2007 18:51:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/rate-caution.html</guid>
    </item>
    <item>
      <title>Come On Darling</title>
      <description><![CDATA[The new Chancellor Mr Darling knows how to make friends and influence people. It seems that he is intent on blaming mortgage lenders AND mortgage brokers for no end of societies ills.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/come-on-darling.html</link>
      <pubDate>Mon, 29 Oct 2007 18:52:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/come-on-darling.html</guid>
    </item>
    <item>
      <title>Weekly Update</title>
      <description><![CDATA[You no doubt all saw the headlines last week that the IMF claimed UK house prices were 40% over valued and were due a “correction” accordingly.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-update.79.html</link>
      <pubDate>Thu, 25 Oct 2007 18:55:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-update.79.html</guid>
    </item>
    <item>
      <title>Cobalt Scoop Best National Broker at Pink Service Awards Ceremony</title>
      <description><![CDATA[We are delighted to say that, following on from our last award of Best London Broker, we have recently added the title of “Best National Broker” at the prestigious Pink Service Awards last month.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/cobalt-scoop-best-national-broker-at-pink-service-awards-ceremon.html</link>
      <pubDate>Thu, 25 Oct 2007 18:54:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/cobalt-scoop-best-national-broker-at-pink-service-awards-ceremon.html</guid>
    </item>
    <item>
      <title>In Other News ...</title>
      <description><![CDATA[In other news the knock on from the US sub prime market in Japan shows no signs of letting up.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/in-other-news-.html</link>
      <pubDate>Wed, 10 Oct 2007 18:56:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/in-other-news-.html</guid>
    </item>
    <item>
      <title>It's The End Of The World As We Know It &amp;#40;But I Feel Fine&amp;#41;</title>
      <description><![CDATA[Apologies for the crass use of a classic REM song, but I feel the title sums up a little of what is happening at the moment. If the prophets of doom are to be believed this time next month the housing market will be in meltdown and some major lenders will be no more.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/its-the-end-of-the-world-as-we-know-it-40but-i-feel-fine41.html</link>
      <pubDate>Wed, 26 Sep 2007 18:58:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/its-the-end-of-the-world-as-we-know-it-40but-i-feel-fine41.html</guid>
    </item>
    <item>
      <title>Credit Chaos</title>
      <description><![CDATA[The news at the moment is dominated by the credit crises coming out of the US, and it may be that we have only seen the tip of the iceberg so far.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/credit-chaos.html</link>
      <pubDate>Wed, 05 Sep 2007 19:00:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/credit-chaos.html</guid>
    </item>
    <item>
      <title>Mortgage Deregulation – Don’t Make Me Laugh !</title>
      <description><![CDATA[Forgive my personal champagne socialist leanings, but I read with a mixture of mirth and worry that those “great” minds that make up a Conservative Party Think-Tank have come up with a proposal to deregulate the mortgage industry.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-deregulation-dont-make-me-laugh-.html</link>
      <pubDate>Wed, 22 Aug 2007 19:03:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/mortgage-deregulation-dont-make-me-laugh-.html</guid>
    </item>
    <item>
      <title>Inflation bolt from the blue no reason to hang out bunting</title>
      <description><![CDATA[Borrowers shouldn’t become complacent following this weeks shock announcement of a sharp drop in inflation. The Consumer Prices Index may have fallen to 1.9% in July, but there’s every chance this is merely a temporary trough, not the beginning of a new trend.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/inflation-bolt-from-the-blue-no-reason-to-hang-out-bunting.html</link>
      <pubDate>Thu, 16 Aug 2007 19:04:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/inflation-bolt-from-the-blue-no-reason-to-hang-out-bunting.html</guid>
    </item>
    <item>
      <title>No Change in Base Rate - For now</title>
      <description><![CDATA[Borrowers must remain vigilant despite today’s decision by the Bank of England’s Monetary Policy Committee to hold the Base Rate at 5.75%. While this will come as a relief to people beginning to feel the pinch, there is every possibility this is merely a temporary reprieve.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/no-change-in-base-rate---for-now.html</link>
      <pubDate>Thu, 02 Aug 2007 19:05:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/no-change-in-base-rate---for-now.html</guid>
    </item>
    <item>
      <title>Weekly Update</title>
      <description><![CDATA[According to Halifax, the average price of a property in London has smashed through the £300,000 barrier, £313,122 to be exact.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-update.86.html</link>
      <pubDate>Wed, 25 Jul 2007 19:07:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/weekly-update.86.html</guid>
    </item>
    <item>
      <title>Fees Glorious Fees !</title>
      <description><![CDATA[There has been a great deal of media coverage this week revolving around the growth in Fees that lenders are now charging, with The Mail reporting that some lenders have increased their arrangement fees by more than 600% in the last 2 years.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/fees-glorious-fees-.html</link>
      <pubDate>Tue, 17 Jul 2007 19:10:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/fees-glorious-fees-.html</guid>
    </item>
    <item>
      <title>The Beginning of The End for Exit Fees ?</title>
      <description><![CDATA[Today we have seen one of the leading lenders stick their head above the trenches and "bravely" announce that they are scrapping exit fees on all new mortgage loans.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-beginning-of-the-end-for-exit-fees-.html</link>
      <pubDate>Fri, 13 Jul 2007 19:12:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/the-beginning-of-the-end-for-exit-fees-.html</guid>
    </item>
    <item>
      <title>In It For The Long-Term ?</title>
      <description><![CDATA[The Council of Mortgage Lenders, (CML), have this week reported on the current extent of the affordability issues first-time buyers are facing.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/in-it-for-the-long-term-.html</link>
      <pubDate>Wed, 11 Jul 2007 19:13:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/in-it-for-the-long-term-.html</guid>
    </item>
    <item>
      <title>Yet Another Base Rate Rise</title>
      <description><![CDATA[As widely expected, and with mild disappointment, the Bank of England have decided to increase the Base Rate to 5.75%.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/yet-another-base-rate-rise.html</link>
      <pubDate>Fri, 06 Jul 2007 19:14:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/yet-another-base-rate-rise.html</guid>
    </item>
    <item>
      <title>Hip or RIP?</title>
      <description><![CDATA[Just when you thought the HIPs farce couldn’t take another unexpected turn, it does. The latest rumour is that HIPs — home information packs — will no longer be limited to properties with four bedrooms or more when they are launched on 1 August, but will now be applicable to properties with three beds plus.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hip-or-rip.html</link>
      <pubDate>Mon, 02 Jul 2007 19:16:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hip-or-rip.html</guid>
    </item>
    <item>
      <title>Offset mortgages</title>
      <description><![CDATA[More and more of us are opting for offset mortgages, according to figures released in late June by the Council of Mortgage Lenders.]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/offset-mortgages.html</link>
      <pubDate>Mon, 02 Jul 2007 19:15:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/offset-mortgages.html</guid>
    </item>
    <item>
      <title>Welcome</title>
      <description><![CDATA[To help keep everyone up to date, this week sees the launch of Cobalt Capital's Mortgage Blog "The Full Monty". Every time an interesting or useful story or product breaks I will be covering it and looking at the positive and negatives in plain and simple English. ]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/welcome.html</link>
      <pubDate>Tue, 26 Jun 2007 19:19:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/welcome.html</guid>
    </item>
    <item>
      <title>HIPs Shambles</title>
      <description><![CDATA[What a mess. What an absolute mess. Property industry discontent, widespread estate agent uncertainty, misled and ill-informed consumers, Home Condition Reports made voluntary, Commons votes... Whatever next?]]></description>
      <link>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hips-shambles.html</link>
      <pubDate>Mon, 28 May 2007 19:20:00 +0000</pubDate>
      <guid>http://www.cobalt-capital.co.uk/montys-blog-articles/items/hips-shambles.html</guid>
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