Ban on 100% home loans dropped | Money

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Their warnings reflect a growing consensus in Whitehall that banning higher-risk mortgages may be counterproductive.</p><p>The rethink comes at a critical moment for the <a href="http://web.archive.org/web/20090730073926/http://www.guardian.co.uk/money/property">property</a> market, with many experts now arguing that the worst of the crash is over. In another sign of returning confidence, <a href="http://web.archive.org/web/20090730073926/http://www.guardian.co.uk/money/2009/jul/08/125-per-cent-mortgage-nationwide">Nationwide building society launched a 125% loan</a> last week, advancing significantly more than the market value of a house - although the offer is restricted to owners hoping to escape negative equity. </p><p>Brown's intervention in February was prompted by public anger at the reckless lending that had led to an unsustainable property bubble. Previously buyers were routinely allowed to borrow more than their home was worth - causing disaster when prices collapsed. </p><p>But one Whitehall source suggested the urgent need for reform had receded, adding: "At the moment it's difficult to get even a 70% mortgage; [high-risk loans] are not really a problem. We haven't exactly got lots of people rushing out and getting them." </p><p>One alternative to banning risky mortgages is requiring lenders who offer high-LTV and high-multiple mortgages to hold more capital than rivals, as a buffer against any new property crash. That would not require a change to the law and would allow individual lenders to decide whether it is worth offering more generous deals to attract new business.</p><p>There has been no widespread return of the 100%-plus loans offered in the boom, but mainstream lenders are now offering 90% deals, which virtually disappeared after the crash. These could be vulnerable in any crackdown on high-LTV mortgages, with some in the Treasury said to be initially advocating a maximum LTV of 85% or even 75%. </p><p>Despite the crash, the gap between earnings and prices means many buyers would still struggle to raise a deposit.</p> </div> </div> <div id="related"> <ul id="article-toolbox-side"> <li class="printable"><a href="http://web.archive.org/web/20090730073926/http://www.guardian.co.uk/money/2009/jul/12/ban-100-home-loans-dropped/print" rel="nofollow" id="printlink" class="printable rollover" title="Link to a printer-friendly version" name="&lid={pageToolbox}{Printer-friendly version}&lpos={pageToolbox}{1}"><img src="http://web.archive.org/web/20090730073926im_/http://static.guim.co.uk/static/77051/common/images/icon_print.gif" alt="Print this" class="trail-icon"/><span>Printable version</span></a></li> <li><a class="rollover sendlink" href="http://web.archive.org/web/20090730073926/http://www.guardian.co.uk/email/350139311" 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</li> <li> <span class="rank">3.</span> <a href="http://web.archive.org/web/20090730073926/http://www.guardian.co.uk/music/musicblog/2009/jul/27/filesharing-music-industry">How it feels to be sued for $4.5m</a> </li> <li> <span class="rank">4.</span> <a href="http://web.archive.org/web/20090730073926/http://www.guardian.co.uk/world/2009/jul/26/argentina-kirchner-wealth">Argentina's first couple deliver prosperity – for themselves</a> </li> <li> <span class="rank">5.</span> <a href="http://web.archive.org/web/20090730073926/http://www.guardian.co.uk/sport/blog/2009/jul/23/classic-youtube-sven-dodgy-umpires">Famous fakers, Sven in the spotlight and Ricky Ponting's murky past | Classic YouTube</a> </li> <li class="more-most-viewed"> <a href="http://web.archive.org/web/20090730073926/http://www.guardian.co.uk/mostviewed">More top stories</a> </li> </ol> </div> <div id="most-3" class="most-pane tab-toggle-pane initially-off"> <h3 class="js-hider hidden">Most talked about</h3> <textarea id="technorati-most-blogged-template" style="display:none;"> <ol> {for blog_item in blogs} <li{if blog_item_index="(blogs.length" - 1)} class="last" {elseif blog_item_index="0}" class="first" { if}> <span class="rank">${parseInt(blog_item_index) + 1}.</span> <p> <a href="${blog_item.link.linkhref}"> ${blog_item.article.title} </a> <b><a href="http://web.archive.org/web/20090730073926/http://technorati.com/search/${blog_item.link.linkhref}?partnerid=440">(${blog_item.linkcount}{if blog_item_index == 0} technorati links{/if})</a></b> </p> </li> {/for} </ol> </textarea> <script type="text/javascript"> addEvent(null, 'load', function () { if(isExternalSystemOn("technoratiMostBlogged")){ var templateRenderer = new guardian.r2.TechnoratiTemplateRenderer(); var tabId = "most-3"; var technoratiMostBloggedView = new guardian.r2.TechnoratiMostBloggedView("technorati-most-blogged-template", "most-3-technorati-most-blogged-div", tabId, templateRenderer); var technoratiMostBloggedService = new guardian.r2.TechnoratiMostBloggedService(5); new guardian.r2.TechnoratiController(technoratiMostBloggedView, technoratiMostBloggedService); } }); </script> <div id="most-3-technorati-most-blogged-div" class="technorati-most-blogged javascript-on"> <ol><li><p>Loading …</p></li></ol> </div> <div class="meta javascript-on"> <p class="more-on"><a href="http://web.archive.org/web/20090730073926/http://technorati.com/publications/www.guardian.co.uk%2F?roundup" name="&lid={technorati/networkFrontMostBlogged}{More}&lpos={technorati/networkFrontMostBlogged}{1}">More</a></p> <p class="technorati"><a href="http://web.archive.org/web/20090730073926/http://technorati.com/" name="&lid={technorati/networkFrontMostBlogged}{Technorati most blogged}&lpos={technorati/networkFrontMostBlogged}{2}">Today's rising blog posts from <img src="http://web.archive.org/web/20090730073926im_/http://static.guim.co.uk/static/77051/common/styles/wide/images/powered-by-technorati.gif" width="76" height="13" alt="Technorati"></a></p></div> </div> </div> </div> </div> <script type="text/javascript"> //<![CDATA[ if (document.getElementById && document.getElementsByTagName) { addEvent(window, "load", initShowHide); addEvent(window, "load", initFinanceTab ); } function initShowHide() { var toggle = document.getElementById('finance-guides-nav'); var as = toggle.getElementsByTagName('a'); for (var i = 0; i < as.length; i++) { as[i].onclick = function() { var allLinks = document.getElementById('finance-guides-nav').getElementsByTagName('a'); for (var ii = 0; ii < allLinks.length; ii++) { allLinks[ii].className = "inactive"; } show(this); this.className = ""; return false; } } } function show(s) { hide(); var id = s.href.match(/#(\w.+)/)[1]; document.getElementById(id).style.display = 'block'; } function hide() { var toggleable = document.getElementById('finance-guides').getElementsByTagName('div'); for (var i = 0; i < toggleable.length; i++) { var divClass = toggleable[i].className; if(divClass.match(/finance-pane/)) { toggleable[i].style.display = 'none'; } } } function initFinanceTab(){ document.getElementById('finance-pane-anchor-0').onclick(); } //]]> </script> <div class="capsule"> <h3>Our selection of best buys</h3> <ul id="finance-guides-nav" class="tab-toggle"> <li><a id="finance-pane-anchor-0" href="#finance-pane-0">Mortgages<b></b></a></li> <li><a id="finance-pane-anchor-1" href="#finance-pane-1">Credit cards<b></b></a></li> <li><a id="finance-pane-anchor-2" href="#finance-pane-2">Loans<b></b></a></li> </ul> <div id="finance-guides" class="trailblock"> <div id="finance-pane-0" class="finance-pane active-pane"> <div class="finance-table"> <table id="mortgage-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Lender</th> <th scope="col">Initial rate</th> <td></td> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">First Direct</th> <td>2.98%</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20090730073926/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=3667&Type=F" name="&lid={compareAndBuyPromo}{First Direct|link|Money}&lpos={compareAndBuyPromo}{1}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">Yorkshire BS</th> <td>3.99%</td> <td id="2.moreInfo"> <a href="http://web.archive.org/web/20090730073926/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=3350&Type=F" name="&lid={compareAndBuyPromo}{Yorkshire BS|link|Money}&lpos={compareAndBuyPromo}{2}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">First Direct</th> <td>2.98%</td> <td id="3.moreInfo"> <a href="http://web.archive.org/web/20090730073926/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=3667&Type=V" name="&lid={compareAndBuyPromo}{First Direct|link|Money}&lpos={compareAndBuyPromo}{3}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20090730073926/http://guardian.lcplc-online.co.uk/bestbuy.aspx" name="&lid={compareAndBuyPromo}{See more mortgage best buys|link|Money}&lpos={compareAndBuyPromo}{4}"> See more mortgage best buys </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20090730073926/http://guardian.lcplc-online.co.uk/Wizard1.aspx" name="&lid={compareAndBuyPromo}{Get a personal quote|link|Money}&lpos={compareAndBuyPromo}{5}"> Get a personal quote </a> </li> </ul> </div> <div id="finance-pane-1" class="finance-pane"> <div class="finance-table"> <table id="credit-card-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Name</th> <th scope="col">BT Rate</th> <th scope="col">BT Period</th> <th scope="col"></th> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">Virgin Credit Card</th> <td>0%</td> <td>16 mths</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20090730073926/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=671&ProviderID=790&Source=GU07&BestBuy=1&Url=http://ad.uk.doubleclick.net/clk;207240094;29508258;g?http://uk.virginmoney.com/credit-cards/?source=MSP-AGG-50562-55903~amp~targetURL=/virgin/credit-cards-v7&CatID=163" name="&lid={compareAndBuyPromo}{Virgin Credit Card|link|Money}&lpos={compareAndBuyPromo}{6}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">NatWest Platinum</th> <td>0%</td> <td>15 mths</td> <td id="2.moreInfo"> <a href="http://web.archive.org/web/20090730073926/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=1224&ProviderID=352&Source=GU07&BestBuy=1&Url=http://clk.atdmt.com/NAT/go/136621154/direct/01/&CatID=163" name="&lid={compareAndBuyPromo}{NatWest Platinum|link|Money}&lpos={compareAndBuyPromo}{7}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">MBNA Platinum</th> <td>0%</td> <td>Until 01/09/2010</td> <td id="3.moreInfo"> <a href="http://web.archive.org/web/20090730073926/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=1300&ProviderID=553&Source=GU07&BestBuy=1&Url=http://clk.atdmt.com/OUT/go/151830639/direct/01/&CatID=163" name="&lid={compareAndBuyPromo}{MBNA Platinum|link|Money}&lpos={compareAndBuyPromo}{8}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20090730073926/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=cardsbestbuys" name="&lid={compareAndBuyPromo}{See more credit cards best buys|link|Money}&lpos={compareAndBuyPromo}{9}"> See more credit cards best buys </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20090730073926/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=cards" name="&lid={compareAndBuyPromo}{Compare over 300 credit cards|link|Money}&lpos={compareAndBuyPromo}{10}"> Compare over 300 credit cards </a> </li> </ul> </div> <div id="finance-pane-2" class="finance-pane"> <div class="finance-table"> <table id="loan-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Provider</th> <th scope="col">Typical APR</th> <th scope="col"></th> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">Sainsbury's Personal Loan</th> <td>7.9%</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20090730073926/http://www.moneysupermarket.com/loansp/LoansExternalDb_new.asp?LoansId=1562&BestBuy=1&Source=GU07&Url=http://www.sainsburysbank.co.uk/borrowing/micro/bor_loans_ms_apply.shtml?source=NETMSBBDLOANMSIT0001" name="&lid={compareAndBuyPromo}{Sainsburys Personal Loan|link|Money}&lpos={compareAndBuyPromo}{11}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20090730073926/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=loansbestbuys" name="&lid={compareAndBuyPromo}{See more loan best buys|link|Money}&lpos={compareAndBuyPromo}{12}"> See more loan best buys </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20090730073926/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=loans" name="&lid={compareAndBuyPromo}{Compare over 500 loan providers|link|Money}&lpos={compareAndBuyPromo}{13}"> Compare over 500 loan providers </a> </li> </ul> </div> </div> </div> <script type="text/javascript"> //<![CDATA[ function CalculateBorrowing(){ //declare income variables var App1Income = document.getElementById('Income_app1').value; var App2Income = document.getElementById('Income_app2').value; App1Earnings = parseInt(App1Income.replace(/[^0-9]/g, '')); App2Earnings = parseInt(App2Income.replace(/[^0-9]/g, '')); if (isNaN(App2Earnings)){ App2Earnings = 0 } // single or joint application var joint = false if (App2Earnings > 1) { joint = true } else { joint = false } // decide on main income var MainIncome var SecondIncome if (App1Earnings > App2Earnings){ MainIncome = App1Earnings SecondIncome = App2Earnings } else { MainIncome = App2Earnings SecondIncome = App1Earnings } //declare higher and lower amounts var HigherAmount var LowerAmount //Lower Amount if (joint == false) { LowerAmount = MainIncome * 3.25 } else { LowerAmount = (MainIncome + SecondIncome) * 2.5 } // Higher Amount if (joint == true){ var JointJoint = (MainIncome + SecondIncome) * 2.8 var JointSingle = (MainIncome * 4) + SecondIncome if (JointJoint > JointSingle) { var JointIncome = JointJoint } else { var JointIncome = JointSingle } } if (joint == false) { HigherAmount = MainIncome * 4 } else { HigherAmount = JointIncome } LowerAmount = formatCurrency(LowerAmount) HigherAmount = formatCurrency(HigherAmount) document.getElementById("mortgage-result").innerHTML = "<p><span>Your results:</span> According to the details you have given you will be able to borrow between <span> \u00A3" + LowerAmount + "</span> and <span> \u00A3" + HigherAmount + "</span></p>" } function formatCurrency(num) { num = num.toString().replace(/\$|\,/g,''); if(isNaN(num)) num = "0"; sign = (num == (num = Math.abs(num))); num = Math.floor(num*100+0.50000000001); num = Math.floor(num/100).toString(); for (var i = 0; i < Math.floor((num.length-(1+i))/3); i++) num = num.substring(0,num.length-(4*i+3))+','+ num.substring(num.length-(4*i+3)); return (((sign)?'':'-') + num); } //]]> </script> <div class="capsule" id="mortgage-calculator"> <h3>Mortgage calculator</h3> <h4>How much can I borrow?</h4> <p><label for="Income_app1">Your annual income:</label> <input name="Income_app1" id="Income_app1" size="10"/></p> <p><label for="Income_app2">Your partner's annual income:</label> <input name="Income_app2" id="Income_app2" size="10"/></p> <p id="results"><input onclick="CalculateBorrowing();" type="button" value="Calculate" class="mortgage-button"></p> <div id="mortgage-result"></div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20090730073926/http://guardian.lcplc-online.co.uk/Wizard1.aspx" name="&lid={mortgageCalculator}{Find the right mortgage for you|link|Money}&lpos={mortgageCalculator}{1}"> Find the right mortgage for you </a> </li> </ul> </div> <div class="capsule commercial"> <h3>Free finance guides</h3> <div class="services first"><a href="http://web.archive.org/web/20090730073926/http://www.dianomioffers.co.uk/partner/guardian/brochures.epl" name="&lid={financialServicesBrochures}{View all brochures}&lpos={financialServicesBrochures}{1}"><img src="http://web.archive.org/web/20090730073926im_/http://static.guim.co.uk/sys-images/Money/Consumer/financialservicesbrochures/2008/10/29/MPA.gif" alt="View all brochures" height="78" width="130"/></a></div> <ul class="services"> <li><a 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href="http://web.archive.org/web/20090730073926/http://www.dianomioffers.co.uk/partner/guardian/brochures.epl" name="&lid={financialServicesBrochures}{View all brochures}&lpos={financialServicesBrochures}{5}">View all brochures</a></li> </ul> </div> <div class="capsule commercial slot"> <h3>Compare insurance</h3> <p class="linktext"> <a href="http://web.archive.org/web/20090730073926/http://www.money-deals.co.uk/compare-and-buy-insurance.html" class="first" name="&lid={commercialSlotMachine}{Search insurance policies}&lpos={trail}{1}">Search insurance policies</a> </p> <a href="http://web.archive.org/web/20090730073926/http://www.money-deals.co.uk/compare-and-buy-insurance.html" class="services first" name="&lid={commercialSlotMachine}{Search insurance policies}&lpos={trail}{2}"> <img src="http://web.archive.org/web/20090730073926im_/http://static.guim.co.uk/sys-images/Guardian/Pix/commercial/2007/09/26/lifeassurance1.jpg" alt="" height="78" width="130"/> </a> <p class="services">Compare insurance policies for everything from your home and car to your pets</p> </div> <div class="capsule commercial"> <h3>Property search</h3> <script type="text/javascript"> //<![CDATA[ function hb_find_a_house(buyOrRent, position) { _hbLink('{find a house}{'+ buyOrRent +'|Money}','{find a house}{'+ position +'}'); return true; } if (document.getElementById && document.getElementsByTagName && document.createTextNode) { addEvent(window, "load", initShowProperty); } function initShowProperty() { var toggleProperty = document.getElementById('find-a-property'); var propertyTabs = toggleProperty.getElementsByTagName('a'); for (var i = 0; i < propertyTabs.length; i++) { propertyTabs[i].onclick = function() { showPropertyTab(this); return false; } } } function showPropertyTab(s) { hidePropertyTab(); var id = s.href.match(/#(\w.+)/)[1]; document.getElementById(id).style.display = 'block'; } function hidePropertyTab() { var toggleable = document.getElementById('toggleable').getElementsByTagName('div'); for (var i = 0; i < toggleable.length; i++) { toggleable[i].style.display = 'none'; } } //]]> </script> <div id="find-a-property"> <ul class="tab-toggle"> <li> <a href="#find-a-house-to-buy">Buy<b></b></a> </li> <li> <a href="#find-a-house-to-rent" class="inactive">Rent<b></b></a> </li> </ul> <div id="toggleable"> <div id="find-a-house-to-buy"> <form onsubmit="hb_find_a_house('buy', 1)" target="_top" method="post" action="http://web.archive.org/web/20090730073926/http://www.thinkproperty.com/guardian/property/search" id="propertysearchform"> <fieldset> <legend>Buy</legend> <p> <label for="geo">Location:</label> <input name="geo" id="geo" type="text"/> <input name="aliasid" id="alias" value="0" type="hidden"/> </p> <p> <label for="lop">Minimum price:</label> <select name="lop"> <option value="20000">£20,000</option> <option value="30000">£30,000</option> <option value="40000">£40,000</option> <option value="50000">£50,000</option> <option value="60000">£60,000</option> <option value="70000">£70,000</option> <option value="80000">£80,000</option> <option value="90000">£90,000</option> <option value="100000">£100,000</option> <option value="110000">£110,000</option> <option value="120000">£120,000</option> <option value="130000">£130,000</option> <option value="140000">£140,000</option> <option value="150000">£150,000</option> <option value="160000">£160,000</option> <option value="170000">£170,000</option> <option value="180000">£180,000</option> <option value="190000">£190,000</option> <option value="200000">£200,000</option> <option value="225000">£225,000</option> <option value="250000">£250,000</option> <option value="275000">£275,000</option> <option value="300000">£300,000</option> <option value="325000">£325,000</option> <option value="350000">£350,000</option> <option value="375000">£375,000</option> <option value="400000">£400,000</option> <option value="425000">£425,000</option> <option value="450000">£450,000</option> <option value="475000">£475,000</option> <option value="500000">£500,000</option> <option value="600000">£600,000</option> <option value="700000">£700,000</option> <option value="800000">£800,000</option> <option value="900000">£900,000</option> <option value="1000000">£1,000,000</option> <option value="1100000">£1,100,000</option> <option value="1200000">£1,200,000</option> <option value="1300000">£1,300,000</option> <option value="1400000">£1,400,000</option> <option value="1500000">£1,500,000</option> <option value="1600000">£1,600,000</option> <option value="1700000">£1,700,000</option> <option value="1800000">£1,800,000</option> <option value="1900000">£1,900,000</option> <option value="2000000">£2,000,000</option> <option value="2100000">£2,100,000</option> <option value="2200000">£2,200,000</option> <option value="2300000">£2,300,000</option> <option value="2400000">£2,400,000</option> <option value="2500000">£2,500,000</option> <option value="2600000">£2,600,000</option> <option value="2700000">£2,700,000</option> <option value="2800000">£2,800,000</option> <option value="3000000">£3,000,000</option> </select> </p> <p> <label for="hip">Maximum price:</label> <select name="hip"> <option value="20000">£20,000</option> <option value="30000">£30,000</option> <option value="40000">£40,000</option> <option value="50000">£50,000</option> <option value="60000">£60,000</option> <option value="70000">£70,000</option> <option value="80000">£80,000</option> <option value="90000">£90,000</option> <option value="100000">£100,000</option> <option value="110000">£110,000</option> <option value="120000">£120,000</option> <option value="130000">£130,000</option> <option value="140000">£140,000</option> <option value="150000">£150,000</option> <option value="160000">£160,000</option> <option value="170000">£170,000</option> <option value="180000">£180,000</option> <option value="190000">£190,000</option> <option value="200000">£200,000</option> <option value="225000">£225,000</option> <option value="250000">£250,000</option> <option value="275000">£275,000</option> <option value="300000">£300,000</option> <option value="325000">£325,000</option> <option value="350000">£350,000</option> <option value="375000">£375,000</option> <option value="400000">£400,000</option> <option value="425000">£425,000</option> <option value="450000">£450,000</option> <option value="475000">£475,000</option> <option value="500000">£500,000</option> <option value="600000">£600,000</option> <option value="700000">£700,000</option> <option value="800000">£800,000</option> <option value="900000">£900,000</option> <option value="1000000">£1,000,000</option> <option value="1100000">£1,100,000</option> <option value="1200000">£1,200,000</option> <option value="1300000">£1,300,000</option> <option value="1400000">£1,400,000</option> <option value="1500000">£1,500,000</option> <option value="1600000">£1,600,000</option> <option value="1700000">£1,700,000</option> <option value="1800000">£1,800,000</option> <option value="1900000">£1,900,000</option> <option value="2000000">£2,000,000</option> <option value="2100000">£2,100,000</option> <option value="2200000">£2,200,000</option> <option value="2300000">£2,300,000</option> <option value="2400000">£2,400,000</option> <option value="2500000">£2,500,000</option> <option value="2600000">£2,600,000</option> <option value="2700000">£2,700,000</option> <option value="2800000">£2,800,000</option> <option value="3000000" selected="selected">£3,000,000+</option> </select> </p> <p> <label for="bed">Min bedrooms:</label> <select name="bed" id="bed"> <option value="0" selected="selected">No preference</option> <option value="1">1+</option> <option value="2">2+</option> <option value="3">3+</option> <option value="4">4+</option> <option value="5">5+</option> </select> <input name="dbtype" value="1" type="hidden"/> </p> <p class="results"> <input name="submit" id="searchnow" title="Search for properties" value="Search now" type="submit"/> </p> </fieldset> </form> </div> <div id="find-a-house-to-rent" class="initially-off"> <form onsubmit="hb_find_a_house('rent', 2)" target="_top" method="post" action="http://web.archive.org/web/20090730073926/http://www.thinkproperty.com/guardian/property/search" id="propertysearchform"> <fieldset> <legend>Rent</legend> <p> <label for="geo">Location:</label> <input name="geo" id="geo" type="text"/> <input name="aliasid" id="alias" value="0" type="hidden"/> </p> <p> <label for="lop">Minimum price:</label> <select name="lop"> <option value="0" selected="selected">£0 pcm</option> <option value="100">£100 pcm</option> <option value="200">£200 pcm</option> <option value="300">£300 pcm</option> <option value="400">£400 pcm</option> <option value="500">£500 pcm</option> <option value="600">£600 pcm</option> <option value="700">£700 pcm</option> <option value="800">£800 pcm</option> <option value="900">£900 pcm</option> <option value="1000">£1,000 pcm</option> <option value="1250">£1,250 pcm</option> <option value="1500">£1,500 pcm</option> <option value="1750">£1,750 pcm</option> <option value="2000">£2,000 pcm</option> <option value="3000">£3,000 pcm</option> <option value="4000">£4,000 pcm</option> <option value="5000">£5,000 pcm</option> <option value="6000">£6,000 pcm</option> <option value="7000">£7,000 pcm</option> <option value="8000">£8,000 pcm</option> <option value="10000">£10,000 pcm</option> </select> </p> <p> <label for="hip">Maximum price:</label> <select name="hip"> <option value="0">£0 pcm</option> <option value="100">£100 pcm</option> <option value="200">£200 pcm</option> <option value="300">£300 pcm</option> <option value="400">£400 pcm</option> <option value="500">£500 pcm</option> <option value="600">£600 pcm</option> <option value="700">£700 pcm</option> <option value="800">£800 pcm</option> <option value="900">£900 pcm</option> <option value="1000">£1,000 pcm</option> <option value="1250">£1,250 pcm</option> <option value="1500">£1,500 pcm</option> <option value="1750">£1,750 pcm</option> <option value="2000">£2,000 pcm</option> <option value="3000">£3,000 pcm</option> <option value="4000">£4,000 pcm</option> <option value="5000">£5,000 pcm</option> <option value="6000">£6,000 pcm</option> <option value="7000">£7,000 pcm</option> <option value="8000">£8,000 pcm</option> <option value="10000" selected="selected">£10,000 pcm</option> </select> </p> <p> <label for="bed">Min bedrooms: </label> <select name="bed" id="bed"> <option value="0" selected="selected">No preference</option> <option value="1">1+</option> <option value="2">2+</option> <option value="3">3+</option> <option value="4">4+</option> <option value="5">5+</option> </select> <input name="dbtype" value="2" type="hidden"/> </p> <p> <input name="submit" id="searchnow" title="Search for properties" value="Search now" type="submit"/> </p> </fieldset> </form> </div> </div> <p>Powered by <img src="http://web.archive.org/web/20090730073926im_/http://static.guim.co.uk/static/77051/common/images/thinkproperty-logo.gif" alt="thinkproperty.com" class="inline-image"/></p> </div> </div> <script type="text/javascript"> //<![CDATA[ function CheckPostcode(){ var userEnteredPostcode = document.getElementById('IFApostcode').value; if (userEnteredPostcode.length<5) { if (userEnteredPostcode.length<1) { alert('You have not entered your postcode'); } else { alert('You have entered an incomplete postcode'); } document.getElementById('IFApostcode').focus(); return false; } _hbLink ('{findifa-search}','{findifa-search}{1}'); return true; } //]]> </script> <div class="capsule" id="find-ifa"> <form action="http://web.archive.org/web/20090730073926/http://www.unbiased.co.uk/gu/input.asp" id="PCInput" onsubmit="return CheckPostcode()"> <h3>Find an independent financial adviser</h3> <h4>Search from 9,000 locations UK-wide to find an independent financial adviser near you</h4> <div class="capsuleform"> <div class="text-input-row"> <label for="IFApostcode">Enter your postcode:</label> <input type="text" size="10" name="postcode" id="IFApostcode"/> </div> <div> <input type="checkbox" name="AreaSplitC"/><label for="AreaSplitC"><abbr>IFA</abbr>s for consumers</label> </div> <div> <input type="checkbox" name="AreaSplitB"/><label for="AreaSplitB"><abbr>IFA</abbr>s for businesses</label> </div> <div> <input type="submit" value="Search"/> </div> </div> </form> </div> <div id="sponsored-features" class="capsule sponsored-features commercial"> <script type="text/javascript"> //<![CDATA[ function showSponsoredFeatures() { var sponsoredFeatureComponent = document.getElementById('sponsored-features'); if(sponsoredFeatureComponent) { sponsoredFeatureComponent.style.display = 'block'; } } //]]> </script> <ul class="trail trailblock tri"> <li class="major-heading"> <h3>Sponsored features</h3> </li> <li class="normal image odd"> <script type="text/javascript" src="http://web.archive.org/web/20090730073926js_/http://ads.guardian.co.uk/js.ng/spacedesc=sponsoredfeature1&comfolder=creditcrunch&keywords=%2CMortgages%2B%28Money%29%2CMortgage%2Blending%2Bfigures%2B%28Business%29%2CFirst-time%2Bbuyers%2CHousing%2Bmarket%2B%28Business%29%2CFinancial%2BServices%2BAuthority%2B%28FSA%29%2CProperty%2C&site=Money&bandwidth=broadband&url=%252Fmoney%252F2009%252Fjul%252F12%252Fban-100-home-loans-dropped&rand=-1746903707&system=article&blockVideoAds=false"></script> </li> <li class="normal image"> <script type="text/javascript" src="http://web.archive.org/web/20090730073926js_/http://ads.guardian.co.uk/js.ng/spacedesc=sponsoredfeature2&comfolder=creditcrunch&keywords=%2CMortgages%2B%28Money%29%2CMortgage%2Blending%2Bfigures%2B%28Business%29%2CFirst-time%2Bbuyers%2CHousing%2Bmarket%2B%28Business%29%2CFinancial%2BServices%2BAuthority%2B%28FSA%29%2CProperty%2C&site=Money&bandwidth=broadband&url=%252Fmoney%252F2009%252Fjul%252F12%252Fban-100-home-loans-dropped&rand=767738137&system=article&blockVideoAds=false"></script> </li> </ul> </div> <div id="global-jobs" class="capsule jobsbox"> <h3><a href="http://web.archive.org/web/20090730073926/http://jobs.guardian.co.uk/?gusrc=gu_jobs_box_Money&link=Money_jbx_logo" name="&lid={rules/jobsBox}{Guardian Jobs}&lpos={rules/jobsBox}{1}"><img src="http://web.archive.org/web/20090730073926im_/http://static.guim.co.uk/static/77051/common/images/guardianjobs.gif" alt="Guardian Jobs"/></a></h3> <ul class="tab-toggle javascript-on"> <li id="global-jobs-1-link"> <a href="#global-jobs-1" class="active">UK<b></b></a> </li> <li id="global-jobs-2-link"> <a href="#global-jobs-2" class="inactive">USA<b></b></a> </li> </ul> <div class="pane-wrapper"> <div id="global-jobs-1" class="global-jobs-pane tab-toggle-pane"> <h3 class="js-hider">UK</h3> <div class="capsule jobsbox"> <form action="http://web.archive.org/web/20090730073926/http://jobs.guardian.co.uk/searchjobs/" onsubmit="return doSearchAllSubmitUK( this );"> <fieldset> <input type="text" class="text plain-search" id="freetext-searchalljobs" name="freetext" value="Search all finance jobs" onfocus="this.value='';"/> <input type="hidden" name="csr" value="finance"/> <input type="hidden" name="keyword" id="keyword-searchalljobs" value=""/> <input type="submit" class="submit" name="go" value="Go"/> <input type="hidden" name="gusrc" value="gu_jobs_box_Money"/> <input type="hidden" name="link" value="Money_jbx_go"/> <input type="hidden" name="industry" value="149"/> </fieldset> </form> <p class="find-a-job"> <a href="http://web.archive.org/web/20090730073926/http://jobs.guardian.co.uk/jobs/finance?gusrc=gu_jobs_box_Money&link=Money_jbx_brsesec" name="&lid={jobsBox}{Browse finance jobs}&lpos={jobsBox}{1}">Browse finance jobs</a> </p> <ul class="jobs"> <li class="odd"><h4> <a href="http://web.archive.org/web/20090730073926/http://jobs.guardian.co.uk/job/892911/chartered-tax-advisor?RSSSearch=0&gusrc=gu_jobs_box_Money&link=Money_jbx_vac" name="&lid={jobsBox}{Chartered Tax Advisor|Money}&lpos={jobsBox}{2}">Chartered Tax Advisor</a></h4> <p><span class="employer">people4business ltd.</span> <span class="location">chartered tax advisor.</span> <span class="wage">£30 - £40 per hour.</span> </p> </li> <li><h4> <a href="http://web.archive.org/web/20090730073926/http://jobs.guardian.co.uk/job/892952/records-manager?RSSSearch=0&gusrc=gu_jobs_box_Money&link=Money_jbx_vac" name="&lid={jobsBox}{Records Manager|Money}&lpos={jobsBox}{3}">Records Manager</a></h4> <p><span class="employer">audit commission.</span> <span class="location">bristol.</span> <span class="wage">£33,692 - £39,272 pa + excellent benefits.</span> </p> </li> <li class="odd"><h4> <a href="http://web.archive.org/web/20090730073926/http://jobs.guardian.co.uk/job/894053/policy-manager-regulatory-reform?RSSSearch=0&gusrc=gu_jobs_box_Money&link=Money_jbx_vac" name="&lid={jobsBox}{Policy Manager (regulatory reform)|Money}&lpos={jobsBox}{4}">Policy Manager (regulatory reform)</a></h4> <p><span class="employer">the electoral commission.</span> <span class="location">central london.</span> <span class="wage">£40,784 per annum.</span> </p> </li> </ul> <script type="text/javascript"> //<![CDATA[ function doSearchAllSubmitUK( form ) { var jobsSectionToSearch = 'finance'; var freeText = 'finance'; var searchTextField = document.getElementById( 'freetext-searchalljobs' ); var keywordElem = document.getElementById( 'keyword-searchalljobs' ); var isSectionSearch = function() { return jobsSectionToSearch != ''; } var textIsModified = function() { if( isSectionSearch() ) { return ( searchTextField.value != 'Search all ' + freeText + ' jobs' ); } return ( searchTextField.value != 'Search all jobs' ); } if( !textIsModified() ) { keywordElem.value = ''; if( isSectionSearch() ) { form.action = 'http://web.archive.org/web/20090730073926/http://jobs.guardian.co.uk/jobs/finance'; return true; } form.action = 'http://web.archive.org/web/20090730073926/http://jobs.guardian.co.uk/'; return true; } keywordElem.value = searchTextField.value; if (isExternalSystemOn("hbx")) { _hbLink( '{jobsbox-searchalljobs}', '{jobsbox-searchalljobs}{1}' ); } return true; } //]]> </script> </div> </div> <div id="global-jobs-2" class="global-jobs-pane tab-toggle-pane initially-off"> <h3 class="js-hider">USA</h3> <div class="capsule jobsbox"> <form action="http://web.archive.org/web/20090730073926/http://www.guardianjobs.com/" onsubmit="return doSearchAllSubmitUSA( this );"> <fieldset> <input type="text" class="text plain-search" id="freetext-searchalljobs" name="q" value="Search all finance jobs" onfocus="this.value='';"/> <input type="hidden" name="csr" value="finance"/> <input type="hidden" name="keyword" id="keyword-searchalljobs" value=""/> <input type="submit" class="submit" name="go" value="Go"/> <input type="hidden" name="gusrc" value="gu_jobs_box_Money"/> <input type="hidden" name="link" value="Money_jbx_go"/> <input type="hidden" name="industry" value="149"/> </fieldset> </form> <p class="find-a-job"> <a href="http://web.archive.org/web/20090730073926/http://jobs.guardian.co.uk/jobs/finance?gusrc=gu_jobs_box_Money&link=Money_jbx_brsesec" name="&lid={jobsBox}{Browse finance jobs}&lpos={jobsBox}{1}">Browse finance jobs</a> </p> <textarea id="jobs-box-usa-textarea" style="display:none;"> {for result in results} <li> <h4> <a href="${result.url}">${result.jobtitle}</a> </h4> <p> <span class="description">${ result.snippet }</span> <span class="location">${ result.state }</span> </p> </li> {/for} </textarea> <script type="text/javascript"> //<![CDATA[ var userip = '207.241.235.66'; var country = 'usa'; var isUSA = (country.toLowerCase() == 'usa') ? true : false; var jobsBoxView = new guardian.r2.JobsBoxView('jobs-box-usa', 'jobs-box-usa-textarea'); var jobsBoxService = new guardian.r2.JobsBoxService('%22Director%22+or+%22Finance%22', userip); /* category, location */ var jobsBoxController = new guardian.r2.JobsBoxController(jobsBoxView, jobsBoxService, isUSA); //view, service, locationIsUSA //]]> </script> <ul id="jobs-box-usa" class="jobs"> <li class="javascript-on">Loading jobs...</li> </ul> <p class="attribution javascript-on"><a href="http://web.archive.org/web/20090730073926/http://www.indeed.com/">jobs</a> by <a title="Job Search" href="http://web.archive.org/web/20090730073926/http://www.indeed.com/"><img alt="Indeed job search" src="http://web.archive.org/web/20090730073926im_/http://static.guim.co.uk/static/77051/common/images/icon_usjobs.gif" width="54" height="19"/></a></p> <script type="text/javascript"> //<![CDATA[ function doSearchAllSubmitUSA( form ) { var jobsSectionToSearch = 'finance'; var freeText = 'finance'; var searchTextField = document.getElementById( 'freetext-searchalljobs' ); var keywordElem = document.getElementById( 'keyword-searchalljobs' ); var isSectionSearch = function() { return jobsSectionToSearch != ''; } var textIsModified = function() { if( isSectionSearch() ) { return ( searchTextField.value != 'Search all ' + freeText + ' jobs' ); } return ( searchTextField.value != 'Search all jobs' ); } if( !textIsModified() ) { keywordElem.value = ''; if( isSectionSearch() ) { form.action = 'http://web.archive.org/web/20090730073926/http://www.guardianjobs.com'; return true; } form.action = 'http://web.archive.org/web/20090730073926/http://www.guardianjobs.com'; return true; } keywordElem.value = searchTextField.value; if (isExternalSystemOn("hbx")) { _hbLink( '{jobsbox-searchalljobs}', '{jobsbox-searchalljobs}{1}' ); } return true; } //]]> </script> </div> </div> </div> </div> <div id="intrusive"> <script type="text/javascript"> //<![CDATA[ if(isExternalSystemOn("displayads")) { buildIntrusiveAd('http://web.archive.org/web/20090730073926/http://ads.guardian.co.uk', 'broadband', '-830361844', 'creditcrunch', '%2CMortgages%2B%28Money%29%2CMortgage%2Blending%2Bfigures%2B%28Business%29%2CFirst-time%2Bbuyers%2CHousing%2Bmarket%2B%28Business%29%2CFinancial%2BServices%2BAuthority%2B%28FSA%29%2CProperty%2C', '%252Fmoney%252F2009%252Fjul%252F12%252Fban-100-home-loans-dropped', 'Money', 'article', 'false'); } //]]> </script> </div> <script type="text/javascript"> google_ad_client = 'ca-guardian_js'; google_ad_channel = 'Money'; google_max_num_ads = '3'; </script> <div id="google-ads-container" class="capsule advertiser-links" style="display: none;"></div> <script type="text/javascript"> //<![CDATA[ if (isExternalSystemOn("googleadsense")) { generateScriptTag("http://web.archive.org/web/20090730073926/http://pagead2.googlesyndication.com/pagead/show_ads.js"); } // ]]> </script> </div> <div class="related-content"> <h3 class="first" id="relatedInformation">Related information</h3> <div id="keyword-rule-wrapper"> <div class="relatedlinks" class="capsule"> <h3 class="first"><a href="http://web.archive.org/web/20090730073926/http://www.guardian.co.uk/money" name="&lid={inlineKeyword}{Money}&lpos={inlineKeyword}{1}">Money</a></h3> <ul class="relatedlinks-keywords"> <li> <a href="http://web.archive.org/web/20090730073926/http://www.guardian.co.uk/money/mortgages" name="&lid={inlineKeyword}{Mortgages}&lpos={inlineKeyword}{2}" rel="tag">Mortgages</a> · </li> <li> <a href="http://web.archive.org/web/20090730073926/http://www.guardian.co.uk/money/firsttimebuyers" name="&lid={inlineKeyword}{First-time buyers}&lpos={inlineKeyword}{3}" rel="tag">First-time 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Ban on 100% home loans dropped | Money | The Observer