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Lloyds Banking Group Share Chat (LLOY)



Share Price: 73.75Bid: 73.74Ask: 73.76Change: 0.45 (+0.61%)Riser - Lloyds Grp.
Spread: 0.02Spread as %: 0.03%Open: 73.12High: 74.10Low: 72.90Yesterday’s Close: 73.30



Share Discussion for Lloyds Grp. (LLOY)


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SilverFoxy
Posts: 71
Off Topic
Opinion:No Opinion
Price:73.42
Questor Article - SaturdayTelegraph
Sat 18:35
Guy is turning everybody off Lloyds, TSB and RBS - bad investment etc etc
 
MY21
Posts: 1,560
Off Topic
Opinion:No Opinion
Price:73.42
UK First Time Buyers
Sat 07:39
UK First Time Buyers reach highest levels since 2007

LONDON, July 19 (Reuters) - The number of first-time homebuyers in Britain hit its highest level since the start of the financial crisis in the first half of 2014, helped by the recovering economy and policies such as Help to Buy, a survey showed on Saturday.

First-time buyers accounted for 46 percent of all buyers between January and June, the highest proportion since 2000, with their number surging by 25 percent to an estimated 144,500, according to mortgage lender Halifax.

British finance minister George Osborne launched the Help to Buy mortgage guarantee scheme last year, saying he wanted to help would-be home-buyers who were unable to pay large deposits, in particular first-time buyers.

Critics of the plan say it risks pushing up prices and will do little to spur new home-building. The International Monetary Fund said in June that Help to Buy might need to be scrapped if it grows a lot and adds to risks of a housing bubble in Britain.

Official data released in May showed Help to Buy accounted for only a fraction of mortgages in the early months of 2014 but the existence of the programme is believed to have boosted high-deposit lending more generally.

A separate scheme, called Funding for Lending, has helped bring down the cost of borrowing although it was revised at the start of this year and no longer includes mortgages.

Halifax said mortgage affordability had improved sharply since the 2008-09 recession. In the first half of 2014, first-time buyers spent 31 percent of disposable earnings on mortgage payments , down from 47 percent in the same period in 2007.

The national average of first-time buyers deposit was 31,129 pounds ($53,300) in the second quarter of this year, an increase of 9 percent from the same period in 2013, Halifax said. First-time buyers in London put down the largest average deposit, over 4.5 times more than in North West England, which has the lowest.

As deposits and property prices have risen, so too has the age of those entering the housing market. The average age of a first-time buyer is 30 nationally, up from 28 in 2009, and is 32 in London
PAKKA
Posts: 700
Off Topic
Opinion:Buy
Price:73.42
next week for LLOY
Fri 23:40
IMHO: The next week should see the market warming up to LLOY. With the Half yearly results approaching we are likely to see a few Broker ratings generally favouring a Buy recommendation.
In the absence of any major bad news, by the end of the week SP should cross 75p IMHO.
GLA
MY21
Posts: 1,560
Off Topic
Opinion:No Opinion
Price:73.42
Mortgage Lending News
Fri 21:42
UK mortgage lending rose 4.4% to £17.5bn in June compared to a month ago, according to the Council of Mortgage Lenders (CMS) on Friday.

It was 17% higher than June last year and the highest monthly figure since October 2013.

Gross mortgage lending for the second quarter of this year was up 10% from the previous three months and up 21% from the same period a year earlier.

However, the CMS said stricter mortgage lending rules and speculation over an interest rate hike could see lending ease in the coming months.

The Bank of England's (BoE) Financial Policy Committee (FPC) said banks must make sure borrowers could afford their mortgages if interest rates were to rise by 3% over the first five years of the loan. The FPC also placed a 15% limit on the proportion of new mortgages with loan to income multiples at or above 4.5 times.

"The macro-prudential interventions announced by the FPC in late June are finely calibrated and precautionary, but could nevertheless tip the UK towards a more conservative lending environment," said CML Chief Economist Bob Pannel.

"It is difficult to gauge the short-term direction for house purchase activity and mortgage lending more generally, given unknown regulatory impacts, regional differences and uncertainty as to when the first in a series of interest rate increases will take place."

Separately, the BoE released a report saying mortgage approvals by UK lenders for house purchases fell in the three months to May.

However, gross secured lending during the periods remained broadly the same with an average monthly net lending flow by UK-resident mortgage lenders standing at £1.8bn
PAKKA
Posts: 700
Off Topic
Opinion:No Opinion
Price:73.42
View Thread (2)
RE: t20
Fri 21:41
therealdeal1: Brokers T D Direct investing offer T20 trades.They charge £3 additional fee for this.Not sure if they provide the service you are looking for but worth asking their CS.I do not think that service is available on line but I am not sure.I do not deal by telephone as it is not as fast as on line dealing , also costs more.There may be other brokers who offer the service you are looking for.
Good luck
R3Team
Posts: 13
Off Topic
Opinion:No Opinion
Price:73.42
bank split up ?
Fri 21:09
Whats with the latest news of splitting RBS and Lloyds?
Is there any weight in this story?

Seems no let up in bank bashing.
therealdeal1
Posts: 250
Off Topic
Opinion:No Opinion
Price:73.42
View Thread (2)
t20
Fri 20:24
Is it possible to trade via t20 and set a stop loss. For example buy at 72p, they rise to 74p and set as stop loss at 73p. Allowing me to reinvest my funds used to settle this trade on another trade?
mrtibbles
Posts: 2,538
Observation
Opinion:Strong Sell
Price:73.42
If you are in profit here
Fri 18:37
Take a look at Centamin, ready to blow!
PAKKA
Posts: 700
Off Topic
Opinion:No Opinion
Price:73.42
View Thread (2)
RE: PAKKA
Fri 17:30
William : Thank you sir:I take only calculated risk . I know exactly what you mean, buying on T20 is not for everybody.
One should either have the funds to complete the Buy or close the deal in advance and pay the difference(loss) I have done this for a few years.I buy only Blue chip shares for deals of this kind.
Rgds
william007
Posts: 90
Observation
Opinion:No Opinion
Price:73.42
View Thread (2)
PAKKA
Fri 17:20
Your gambling you will get caught out eventually. This will not always go in your favour and if you don't have the money to cover your losses and to purchases shares your reputation and credit rating will suffer.



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