Prateek Solapurker

Co-Founder
Previously Illiquid credit trader at HSBC. Also, Co-Head of Credit Products and Hybrids Trading, EMEA, focused on structured credit financing, risk management and structuring at HSBC, and Project Engineer at Unilever

Articles by

Prateek Solapurker

What is Equity Release? A Brief Guide for UK Homeowners

Homeowners realize their home equity when they sell their property. However, some financial products enable homeowners without mortgages or with very small mortgages to obtain cash against the value of their home equity without having to leave their property. These are referred to as “equity release” products.

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Trends and Predictions for UK Mortgage Rates in 2024

Understanding the dynamics of mortgage rates in the UK involves delving into some of the workings of the Bank of England (“the Bank”), as it wields considerable influence on the financial landscape of the country.

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Pauzible’s perspective on the UK property market

While one can’t claim to have a crystal ball for predicting the future, several factors indicate support for house prices in the UK. Let’s draw some insights from the US and compare them to the UK’s outlook.

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UK Homeowners: Navigating the Great Mortgage Crisis of 2023

In the past year, UK households have confronted an unparalleled surge in their cost of living. As consumer price inflation soars to its peak in three decades, numerous individuals are feeling the financial strain. Most notably, homeowners have been stunned by the dramatic escalation in mortgage rates. This article delves into the underlying causes of the current predicament in the UK and offers guidance for homeowners during these challenging times.

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Retaining “Buy to Let” Investment Despite High Mortgage Rates

The ebb and flow of the property market has always tested the mettle of investors. Today, many Buy to Let investors are feeling the strain of “negative carry” — where their rental income is lower than the total expenses on their property. It is thus imperative to examine the larger historical and future context before making the crucial decision to retain or sell one’s Buy to Let property investment.

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Assessing UK Mortgage Rates: Is Downsizing or Renting a Viable Option

In the current economic climate, with the Bank of England adjusting interest rates and the ongoing cost of living crisis, assessing mortgage options has become a pressing issue for many UK residents. The decision between downsizing or renting is a significant one, requiring a thorough understanding of the UK inflation rate and its impact on fixed rate mortgages, rental payments and UK house prices today.

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UK Banks Mortgage Charter: Does it go far enough?

With the Bank of England orchestrating the steepest increases in interest rates in history, mortgage borrowers have been crying out for help. Failure to get support could force many homeowners who are finding their mortgages unaffordable to resort to selling their homes. The government responded by getting the largest mortgage lenders and UK finance to agree to a Mortgage Charter. This piece examines if the Mortgage Charter provides the solution homeowners are looking for

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What are the ways to access equity in your home?

In our previous article we showed the significant sums in the United States sitting in homeowners equity.As we discussed when looking at the size of capital we concluded it is such a powerful tool for homeowners who could be looking to tap into their homes and access some cash proceeds. There are several methods in which you can extract equity from your home which are discussed below. Homeowners are increasingly looking at these methods to meet their financial needs or personal goals...

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