Rajesh Pai

Co-Founder
Partner at ASIL, a financial services firm. Previously structurer at Barclays Capital and consultant at Deutsche Bank and UBS. Wide experience in asset classes from mortgage backed securities to liquid currencies

Articles by

Rajesh Pai

Fractional Selling: A Real Solution to the Mortgage Rate Crisis Facing UK Homeowners

The housing market has always been a subject of debate in the UK, given its historic importance to both personal wealth and the nation's economy. The current mortgage rate crisis, caused by the drastic rise in UK mortgage rates since December 2021, has plunged many homeowners into a sea of uncertainty and stress.

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Refinancing Challenges in the Buy-to-Let Market

Buy-to-let mortgages are typically “interest-only”. Under these, the entire loan amount is repaid in a single instalment at the end of the mortgage term. Interest, however, is paid throughout the life of the mortgage on the entire loan amount. The mortgage rate is typically reset every two or five years.

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Switch rates or Remortgage? A Real Dilemma

Towards the end of the relevant mortgage rate term, the lender provides the borrower with a new set of two and five year mortgage rates. The borrower selects a new mortgage rate to be applied for the next term of two or five years. This process of selecting a new mortgage rate every two or five years occurs throughout the life of a mortgage is referred to as “rate switching” or “switching rates” or “choosing a deal”.

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How did owning a home become so unaffordable in the UK?

As of early 2022, the UK’s economy appeared to be moving steadily, with low mortgage rates and controlled inflation. In recent months though, the dream of owning a home in the UK has become increasingly out of reach for many, while homeowners on a mortgage are experiencing a level of financial stress not seen before. The cost of living and the mortgage crisis is exerting severe pressure on household finances. Let’s delve into the complex factors that have contributed to this challenging landscape.

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Unveiling the Power of Home Equity: A Comparative Analysis of Housing Wealth in the US

Homeownership has long been regarded as a corner stone of the American Dream. Besides providing a place to call home, home ownership also offers the potential for accumulating substantial wealth through the appreciation of property values and the accumulation of home equity. In this blog post, we delve into the topic of home equity, exploring its size in relation to the housing market and other asset classes in the United States.

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