Blog

Retirement: Planning to downsize?

Oct 10, 2018 | Finance, Mortgages, Remortgaging

Steve Webb told the BBC that this retirement plan could best be described as ‘downsizing delusion’ which is a worrying statement for the three million people planning to rely on their homes for a pension. “Most people doing so would experience a slump in living standards on retirement”.

The facts since the BREXIT vote

Oct 10, 2018 | Insurance, Mortgages, Property Market

It has been just over a month since our nation voted to exit the EU. There has been much speculation as to what the economy will look like, huge changes in Government, 100’s of reports with a mix of good and bad as to what may happen….

Remortgaging for Home Improvements

Oct 10, 2018 | House Prices, Mortgages, Remortgaging

They’ll not only enhance your living space and give your home a new lease of life but if considered correctly they could also add value to your home.

Wow, interest rates just keep getting lower…

Oct 10, 2018 | Interest rates

Today The Bank of England announced a rate reduction of 0.25%, making the current Bank of England Rate 0.25% – the lowest rate ever!

4 mistakes to avoid when remortgaging your home

Oct 10, 2018 | Remortgaging

First of all, congratulations on being one of the lucky ones to get on to the property ladder. It’s not always an easy process as some of our clients find out, but once it’s done you can sit back, relax and enjoy your home.

Construction Industry Scheme

Oct 10, 2018 | First time buyers, Mortgages, Our Business, Remortgaging

If you work as a subcontractor in the construction industry it is likely you will be part of the ‘CIS’ – Construction Industry Scheme. Although you are technically self-employed, the people you work for will often pay your tax at source, so this can feel as though you are employed.

Tax changes for landlords explained

Oct 10, 2018 | Buy to Let, Interest rates, Mortgages

In the summer it was announced that there will be some tax changes for landlords who fall in to the higher tax rate bracket. Specifically changes in the amount of tax relief they can claim on the interest of their mortgage payments. These tax changes for landlords were not favorable and mean that relief can only be claimed at the basic rate of tax, currently 20%.

Stamp Duty Savings

Oct 10, 2018 | Stamp Duty

December last year saw a long overdue change to the stamp duty system which meant big savings for the average home buyer. Only those purchasing the most expensive homes were to be worse off.

“We are what we repeatedly do. Excellence, then, is not an act, but a habit” Aristotle

Oct 10, 2018 | Mortgages, Our Business

It is with pride that we reflect back on 2015 and can proudly say that we have helped more than 170 clients move home, remortgage, buy for the first time or invest in property this year.

Save money the easy way by remortgaging

Oct 10, 2018 | Interest rates, Mortgages, Remortgaging

Ok, we can’t help you drop 10lbs or stop smoking but if your new year’s resolution is to save money to pay off a debt, make home improvements or for a special purchase. Tick this box and complete your new year’s resolution before the end of February by simply remortgaging!