​Becoming a Landlord

Posted on 13 Jul 2022
​Becoming a Landlord

If you decide to buy a property to let out and need to borrow money towards the cost of the purchase, you must get a buy to let mortgage and will need a deposit of at least 25%. You must provide tenants with an assured shorthold tenancy (AST) which is a contractual arrangement to let your... Read more...

New House Price data hints at long-awaited housing market slowdown

Posted on 27 May 2022
New House Price data hints at long-awaited housing market slowdown

This month's Halifax House Price Index data hints at a long-awaited housing market slowdown as, while the average house price grew once again to a new record high of £286,079, the month-on-month... Read more...

When is Your Tax Freedom Day?

Posted on 16 May 2022
When is Your Tax Freedom Day?

When is your Tax Freedom Day?

You may have heard of ‘tax freedom day’. This year, in the light of steeply rising energy prices, National Insurance increases, and tax changes not keeping up with inflation levels that we have not been seen for a generation – things... Read more...

The Rising Cost of Mortgages

Posted on 29 Apr 2022
The Rising Cost of Mortgages

As the Bank of England continues to increase interest rates to tackle rising inflation, Rishi Sunak has warned homeowners that their mortgage payments could potentially go up by £1,000 if they haven’t got a fixed rate deal in place.

With speculation that interest rates could go... Read more...

Insight: Spring Budget 2022

Posted on 16 Mar 2022
Insight: Spring Budget 2022

The terrible events in the Ukraine have caused ripples across the globe. From a personal perspective, the suffering and hardship of all people involved in the conflict will no doubt be very much in the thoughts of us all. Many of you will also have been hearing of the impact that the conflict... Read more...

Mortgage Affordability Test Consultation

Posted on 08 Mar 2022
Mortgage Affordability Test Consultation

The recent confirmation that the Bank of England is planning to relax its mortgage affordability tests appears to be good news to those ... Read more...

Are Buy to Let Investments Still Worth It? A Personal Perspective

Posted on 11 Feb 2022
Are Buy to Let Investments Still Worth It? A Personal Perspective

This month we speak to one of our clients about their growing property portfolio to get their personal experience of buying, running and selling property as an investment.

“To set the scene, I had dabbled with property a little. I have bought, renovated and sold a small terrace... Read more...

Self-Build Mortgages

Posted on 17 Jan 2022
Self-Build Mortgages

If you are thinking of creating your own Grand Design by building your own home, there are several factors to consider, especially when it comes to raising money to fund the build. While building your own home is usually cheaper than buying a house, there can be unexpected costs and you will... Read more...

Prepare for Your Mortgage Application

Posted on 17 Dec 2021
Prepare for Your Mortgage Application

A recent report by Aldermore has found that a shocking 45% of first-time buyer mortgage applications are rejected at the initial submission stage. A further 20% of those surveyed were then rejected on their second try.

If you are planning to get a mortgage for the first time, then it is... Read more...

Help to Buy & Lifetime ISAs

Posted on 12 Nov 2021
Help to Buy & Lifetime ISAs

If you’re a first-time buyer, then you may have investigated, or even invested in, one of the government-backed bonus ISA accounts. Yet, many don’t entirely understand how they work or how to get the most from their investment due to the many rules associated with them.

While the Read more...