<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[RSS Feed]]></title><description><![CDATA[RSS Feed]]></description><link>http://direct.ecency.com</link><image><url>http://direct.ecency.com/logo512.png</url><title>RSS Feed</title><link>http://direct.ecency.com</link></image><generator>RSS for Node</generator><lastBuildDate>Mon, 04 May 2026 06:36:39 GMT</lastBuildDate><atom:link href="http://direct.ecency.com/created/mortgages/rss.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[The Banksters Have Really Done A Number On Our Housing]]></title><description><![CDATA[The prices of houses today is all because of the banksters. Not just because they control mortgages, but also because they have controlled where people moved and where houses could be built. You can find]]></description><link>http://direct.ecency.com/hive-167922/@builderofcastles/the-banksters-have-really-done-a-number-on-our-housing</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@builderofcastles/the-banksters-have-really-done-a-number-on-our-housing</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Tue, 14 Apr 2026 12:00:18 GMT</pubDate><enclosure url="https://images.ecency.com/p/99pyU5Ga1kwr5Xg46gnE3BrdGQcYkevrMfGqYdedBhy45MxwsyiCoh2Jdy7ZnHFh77s5TD7UJhphitmyieyMVALs2icDR1YTY6JsHF8sSAqW7LuAq9qvCX1kzsLhtVjfnn?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[How Lives Are Destroyed By A Mortgage]]></title><description><![CDATA[Today, a mortgage seems ubiquitous, just another bill in your life. However, it is not, and its existence is evil, life shortening, and should never have existed. Especially when banks can just print money]]></description><link>http://direct.ecency.com/hive-167922/@builderofcastles/how-lives-are-destroyed-by-a-mortgage</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@builderofcastles/how-lives-are-destroyed-by-a-mortgage</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Mon, 23 Mar 2026 14:20:45 GMT</pubDate><enclosure url="https://images.ecency.com/p/6VvuHGsoU2QCK6yq1XKF2z9F8sayRpwConx4qLBWrEW6qg4ZcYUjrYH5JFJTJrx7gHQByNuFqfoK4eCU1GrjxvonrVV5kTpSqDp8a2Tdbg57uyCZbMdTFxGarf5NYE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[No More Mortgages and No More Banks]]></title><description><![CDATA[So many moving parts in the real estate market. People talk about a possible housing collapse, but they rarely talk about the real estate market failing in every part. However, that is what is happening.]]></description><link>http://direct.ecency.com/hive-167922/@builderofcastles/no-more-mortgages-and-no-more-banks</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@builderofcastles/no-more-mortgages-and-no-more-banks</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Mon, 21 Jul 2025 11:24:00 GMT</pubDate><enclosure url="https://images.ecency.com/p/6VvuHGsoU2QCK6yq1XKF2z9F8sayRpwConx4qLBWrEW6qg4ZcYUjrYH5JFJTJrx7gHQByNuFqfoK4eCU1GrjxvonrVV5kTpSqDp8a2Tdbg57uyCZbMdTFxGarf5NYE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Saw this article online and thought "theres a simple way to do this"]]></title><description><![CDATA[Now this is a quick post about some experience i have in the financial section of dealing with mortgages and debt finances the article im referring to is here I earn £60k and need to remortgage. Should]]></description><link>http://direct.ecency.com/hive-167922/@dadspardan/saw-this-article-online-and-thought-theres-a-simple-way-to-do-this</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@dadspardan/saw-this-article-online-and-thought-theres-a-simple-way-to-do-this</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[dadspardan]]></dc:creator><pubDate>Fri, 16 May 2025 15:34:27 GMT</pubDate></item><item><title><![CDATA[It's Coming Faster Than I Expected]]></title><description><![CDATA[Mortgage - a mashup of French words. Morte = death, Gage - paper/note = IOU That this concept even exists is abhorrent! We should be stringing banksters up on lampposts, not accepting that getting a mortgage]]></description><link>http://direct.ecency.com/hive-167922/@builderofcastles/it-s-coming-faster-than-i-expected</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@builderofcastles/it-s-coming-faster-than-i-expected</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Mon, 24 Feb 2025 08:09:18 GMT</pubDate><enclosure url="https://images.ecency.com/p/6VvuHGsoU2QCK6yq1XKF2z9F8sayRpwConx4qLBWrEW6qg4ZcYUjrYH5JFJTJrx7gHQByNuFqfoK4eCU1GrjxvonrVV5kTpSqDp8a2Tdbg57uyCZbMdTFxGarf5NYE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Mortgages Made It Harder For People To Own Houses]]></title><description><![CDATA[One of the comebacks to "Mortgages are evil" is that without mortgages most people couldn't afford a house. And today, most people cannot afford a house. Even the one they are paying for right]]></description><link>http://direct.ecency.com/hive-167922/@builderofcastles/mortgages-made-it-harder-for-people-to-own-houses</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@builderofcastles/mortgages-made-it-harder-for-people-to-own-houses</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Mon, 23 Dec 2024 09:14:30 GMT</pubDate><enclosure url="https://images.ecency.com/p/6VvuHGsoU2QCK6yq1XKF2z9F8sayRpwConx4qLBWrEW6qg4ZcYUjrYH5JFJTJrx7gHQByNuFqfoK4eCU1GrjxvonrVV5kTpSqDp8a2Tdbg57uyCZbMdTFxGarf5NYE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The House of Cards is Falling Down.  There Will Be No Real Estate Market.]]></title><description><![CDATA[Watching the housing market, i am starting to see the price reductions i expected to see when the interest rates were raised. I calculated that house prices would need to drop in half for people to continue]]></description><link>http://direct.ecency.com/hive-167922/@builderofcastles/the-house-of-cards-is-falling-down-there-will-be-no-real-estate-market</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@builderofcastles/the-house-of-cards-is-falling-down-there-will-be-no-real-estate-market</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Mon, 28 Oct 2024 17:12:15 GMT</pubDate><enclosure url="https://images.ecency.com/p/4i88GgaV8qiFkxbnGCXnHPUK3daVLCQA4oDc4ixtEBec4zfPErd47FoNV1sEA1fpp6U3ezQHJD6AHyqWvrzdRbbxWaCQaK2iFNUytCuvGU3ANi8Hw2wyrzURot?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[38% of Our Income Just Goes Pooof!]]></title><description><![CDATA[We spend, on average, somewhere between 30% and 38% or our income on housing. This seems like a suitable number to spend on our biggest asset / most important expenditure after food. However, when you]]></description><link>http://direct.ecency.com/hive-167922/@builderofcastles/38-of-our-income-just-goes-pooof</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@builderofcastles/38-of-our-income-just-goes-pooof</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Fri, 06 Sep 2024 18:03:21 GMT</pubDate><enclosure url="https://images.ecency.com/p/4i88GgaV8qiFkxbnGCXnHPUK3daVLCQA4oDc4ixtB3NgLBx5G7khXYokUnm231Q5CgAuZqeeW42L2jiPoNj43xKhTLi6QZEq2Kev8TgNTU1CmfdsNCVJcnMFQi?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Banks Are Being Shut Down / Closed]]></title><description><![CDATA[Banks are all insolvent. Well, any of them that lend money. But Builder, how could they be insolvent when they make money out of thin air? Good question! The thing is, they are insolvent as soon as they]]></description><link>http://direct.ecency.com/hive-167922/@builderofcastles/banks-are-being-shut-down-closed</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@builderofcastles/banks-are-being-shut-down-closed</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Mon, 29 Jul 2024 18:52:39 GMT</pubDate><enclosure url="https://images.ecency.com/p/4i88GgaV8qiFkxbnGCXnHPUK3daVLCQA4oDc4ixtB3NgLBx5G7khXYokUnm231Q5CgAuZqeeW42L2jiPoNj43xKhTLi6QZEq2Kev8TgNTU1CmfdsNCVJcnMFQi?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[This Is Not Like 2008.  Housing is Crashing.  But It Will NOT Recover, and Mortgages Become Verboten]]></title><description><![CDATA[I have written a lot about the collapse of the housing market. Especially about blue state suburban property going to zero. However, i rarely go in depth about the other side of the housing market just]]></description><link>http://direct.ecency.com/hive-167922/@builderofcastles/this-is-not-like-2008-housing-is-crashing-but-it-will-not-recover-and-mortgages-become-verboten</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@builderofcastles/this-is-not-like-2008-housing-is-crashing-but-it-will-not-recover-and-mortgages-become-verboten</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Thu, 30 May 2024 18:36:21 GMT</pubDate><enclosure url="https://images.ecency.com/p/6VvuHGsoU2QCK6yq1XKF2z9F8sayRpwConx4qLBWrEW6qg4ZcYUjrYH5JFJTJrx7gHQByNuFqfoK4eCU1GrjxvonrVV5kTpSqDp8a2Tdbg57uyCZbMdTFxGarf5NYE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[There Will Be No Mortgages In the Future]]></title><description><![CDATA[Jerome Powell said that their will be pain. He said so three times in that speech. So, i suggest we believe him. Then, it seemed like the Fed was going to lower rates 4 times this year, but if we had listened]]></description><link>http://direct.ecency.com/hive-167922/@builderofcastles/there-will-be-no-mortgages-in-the-future</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@builderofcastles/there-will-be-no-mortgages-in-the-future</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Thu, 02 May 2024 18:11:57 GMT</pubDate><enclosure url="https://images.ecency.com/p/6VvuHGsoU2QCK6yq1XKF2z9F8sayRpwConx4qLBWrEW6qg4ZcYUjrYH5JFJTJrx7gHQByNuFqfoK4eCU1GrjxvonrVV5kTpSqDp8a2Tdbg57uyCZbMdTFxGarf5NYE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Banks Crashing + House Prices Falling = No More Mortgages]]></title><description><![CDATA[Mortgage are really hard to get right now. With the market still priced for a 3% mortgage, and the current rate being 8%, there are very few people who can qualify for a loan with a MUCH higher monthly]]></description><link>http://direct.ecency.com/hive-167922/@builderofcastles/banks-crashing-house-prices-falling-no-more-mortgages</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@builderofcastles/banks-crashing-house-prices-falling-no-more-mortgages</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Thu, 28 Mar 2024 21:44:06 GMT</pubDate><enclosure url="https://images.ecency.com/p/6VvuHGsoU2QCK6yq1XKF2z9F8sayRpwConx4qLBWrEW6qg4ZcYUjrYH5JFJTJrx7gHQByNuFqfoK4eCU1GrjxvonrVV5kTpSqDp8a2Tdbg57uyCZbMdTFxGarf5NYE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Walmart CEO Issues  Dire Warning "Prepare For Deflation"]]></title><description><![CDATA[The banksters worst fear is deflation. With fractional reserve lending, deflation means currency destruction. And since there is always less currency than debt, running out of currency is a real problem.]]></description><link>http://direct.ecency.com/hive-110786/@builderofcastles/walmart-ceo-issues-dire-warning-prepare-for-deflation</link><guid isPermaLink="true">http://direct.ecency.com/hive-110786/@builderofcastles/walmart-ceo-issues-dire-warning-prepare-for-deflation</guid><category><![CDATA[hive-110786]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Tue, 05 Dec 2023 19:24:27 GMT</pubDate><enclosure url="https://images.ecency.com/p/6VvuHGsoU2QCK6yq1XKF2z9F8sayRpwConx4qLBX4H4qqaqZr3rzNbL8UNid3ectVtmo8AXszVqbC6m25dzg2qUa9xAVkZ3MQ1HpujHS6tjJ2jCZS2mDbgyifxzZt2?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Our Relationship To Housing Needs To Change, Will Change]]></title><description><![CDATA[Robert Kiyosaki - "Your house is not an asset" Your house only appears to be an asset while we have fractional reserve, debt based currency. Only with inflation (your house price going up is]]></description><link>http://direct.ecency.com/hive-110786/@builderofcastles/our-relationship-to-housing-needs-to-change-will-change</link><guid isPermaLink="true">http://direct.ecency.com/hive-110786/@builderofcastles/our-relationship-to-housing-needs-to-change-will-change</guid><category><![CDATA[hive-110786]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Wed, 22 Nov 2023 22:20:27 GMT</pubDate><enclosure url="https://images.ecency.com/p/gPCasciUWmEzNYtqbGEDRoyYeseHMDTak3FVSeL5Jq7tt4b4Ky7od2EAmciCCuX34A3mFPrN3S5ENxNMWA4rfFNgkj9bgrJzwcWvT6gkjaqHj8dHbqPBCcaRAiagpCbi3xvyhwH6dM5RVAVBt2?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[No Mortgages because No Banks - What Will That Do To Home Prices?]]></title><description><![CDATA[Small banks are failing, as planned. Soon the medium sized banks will be gobbled up too. The number of mortgage applications per month are down. Since the smaller banks are the ones who initiate most of]]></description><link>http://direct.ecency.com/hive-167922/@builderofcastles/no-mortgages-because-no-banks-what-will-that-do-to-home-prices</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@builderofcastles/no-mortgages-because-no-banks-what-will-that-do-to-home-prices</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Wed, 20 Sep 2023 21:40:15 GMT</pubDate><enclosure url="https://images.ecency.com/p/6VvuHGsoU2QCK6yq1XKF2z9F8sayRpwConx4qLBWrEW6qg4ZcYUjrYH5JFJTJrx7gHQByNuFqfoK4eCU1GrjxvonrVV5kTpSqDp8a2Tdbg57uyCZbMdTFxGarf5NYE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[HSBC are losing the plot over mortgage lending.... (I FAILED THEIR CREDIT CHECK WTF..?)]]></title><description><![CDATA[So I approached my old mortgage broker to remortgage a few days back and he told me that HSBC had the best deal on offer - I was after a 3 year fixed on a 6 year term, and their rate was around 5.5% which]]></description><link>http://direct.ecency.com/hive-167922/@revisesociology/hsbc-are-losing-the-plot-over-mortgage-lending-i-failed-their-credit-check-wtf</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@revisesociology/hsbc-are-losing-the-plot-over-mortgage-lending-i-failed-their-credit-check-wtf</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[revisesociology]]></dc:creator><pubDate>Mon, 10 Jul 2023 17:46:03 GMT</pubDate><enclosure url="https://images.ecency.com/p/pBMyo3B2Sao45kGEB1kRY9cJBFGQnrPp2qChGHkgVjzu1y6XFCd4yc3Z6RXqCzbfv1WQ1sQhpdGGTQyW4x5yVafDT9SJ4VUp36KWxiY8cRExoqVGsVxD8scrG5tcFwx1N5r7FMqpdvxUAwwuU2pnaS2Z4s6vkEwBz5fdxrzsXnzKBve2?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Interest Rate Rises are becoming a problem! ]]></title><description><![CDATA[Around 20 million people aged over 20 in Britain have an outstanding mortgage, that's 1/3rd of adults in the UK and half of 30-50 year olds. And with the Bank of England interest rates going up to 5% today,]]></description><link>http://direct.ecency.com/hive-167922/@revisesociology/interest-rate-rises-are-becoming-a-problem</link><guid isPermaLink="true">http://direct.ecency.com/hive-167922/@revisesociology/interest-rate-rises-are-becoming-a-problem</guid><category><![CDATA[hive-167922]]></category><dc:creator><![CDATA[revisesociology]]></dc:creator><pubDate>Thu, 22 Jun 2023 18:42:00 GMT</pubDate><enclosure url="https://images.ecency.com/p/pBMyo3B2Sao45kGEB1kRY9cJBFGQnrPp2qChGHkgVjzu1y6XFCd4yc3Z6RXqCzbfv1WQ1sQhpdGGTQyWgRLqm5yaPvihcniFiN1cH2TpTCfkgvTM1dg6LmdKdMwbfkDrgtjkY2Cd2TRcj2YmNuCFoVX8kB9yTQ59ASqcRSxQQmyK9V82?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[There Will Be No More Mortgages]]></title><description><![CDATA[The banks are doing the same thing they did back just before the 2008 housing crisis. Lending money to people who can't afford a home. Can't pay 3% down? How about just 1%? "We will pay the other]]></description><link>http://direct.ecency.com/hive-110786/@builderofcastles/there-will-be-no-more-mortgages</link><guid isPermaLink="true">http://direct.ecency.com/hive-110786/@builderofcastles/there-will-be-no-more-mortgages</guid><category><![CDATA[hive-110786]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Mon, 29 May 2023 22:25:21 GMT</pubDate><enclosure url="https://images.ecency.com/p/6VvuHGsoU2QCK6yq1XKF2z9F8sayRpwConx4qLBWrEW6qg4ZcYUjrYH5JFJTJrx7gHQByNuFqfoK4eCU1GrjxvonrVV5kTpSqDp8a2Tdbg57uyCZbMdTFxGarf5NYE?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[Food Prices Should Be Higher / House Prices Should Be Lower]]></title><description><![CDATA[Food prices should be higher House prices should be lower The bank makes 3-4x the price of the house when they have never provided any labor or materials for that house. The way our housing market works]]></description><link>http://direct.ecency.com/hive-110786/@builderofcastles/food-prices-should-be-higher-house-prices-should-be-lower</link><guid isPermaLink="true">http://direct.ecency.com/hive-110786/@builderofcastles/food-prices-should-be-higher-house-prices-should-be-lower</guid><category><![CDATA[hive-110786]]></category><dc:creator><![CDATA[builderofcastles]]></dc:creator><pubDate>Sun, 16 Apr 2023 21:41:45 GMT</pubDate><enclosure url="https://images.ecency.com/p/6VvuHGsoU2QCK6yq1XKF2z9F8sayRpwConx4qLBX4H4qqaqZr3rzNbL8UNid3ectVtmo8AXszVqbC6m25dzg2qUa9xAVkZ3MQ1HpujHS6tjJ2jCZS2mDbgyifxzZt2?format=match&amp;mode=fit" length="0" type="false"/></item><item><title><![CDATA[The Party Is Over for UK House Prices. Part 4.]]></title><description><![CDATA[#property #houseprices #affordability #mortgages #UK #Nationwide #interestrates today we will do an update on UK house prices and how asking prices are taking big hits in the top end of the market in places]]></description><link>http://direct.ecency.com/market/@maneco64/the-party-is-over-for-uk-house-prices-part-4</link><guid isPermaLink="true">http://direct.ecency.com/market/@maneco64/the-party-is-over-for-uk-house-prices-part-4</guid><category><![CDATA[market]]></category><dc:creator><![CDATA[maneco64]]></dc:creator><pubDate>Mon, 20 Feb 2023 10:13:27 GMT</pubDate><enclosure url="https://images.ecency.com/p/S5Eokt4BcQdk7EHeT1aYjzebg2hC7hkthT45e7vxmmTJZKpsBGVLbR5ga55jE916rKknw1Q?format=match&amp;mode=fit" length="0" type="false"/></item></channel></rss>