There’s no denying that buying to let is big business. We meet a multitude of clients who are looking to invest their money into a second property and even some that are considering expanding their assets with numerous purchases.
Buying to let certain…
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We think Mortgages are easy. There’s lots of hoops to jump through but it all looks odd if you don’t do mortgages every day. Thankfully, we do, so here’s a view from behind the scenes.
The first step is to give us a call. Buying your first property or…
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You don't have to!
Read on - if you have a mortgage it WILL be worth it.
After advising on mortgages for the last fifteen years, I am at last seeing mortgage lenders start to make a real effort to help you stay on a competitive rate when your initi…
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New tax rules will come into effect on 6 April 2017. They will make buy-to-let less profitable for many.
What is Changing?
Currently, landlords deduct mortgage interest from their rental income, along with other costs so they don't pay tax on the rent,…
There is still confusion about the State Pension, and with the introduction of the single tier pension we thought it might be useful to clarify the changes:
• The single tier pension was introduced from 6th April 2016. If you were already over State P…
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Step forward the new Lifetime ISA!
You can save money in a tax free environment, up to £4,000 each year, and receive a government bonus of 25% – that’s a bonus of up to £1,000 a year. You can use some or all of the money to buy your first home, or kee…
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Well Andrew Haldane seems to think so!
My usual morning scan of my generic news app led me to an interesting article this morning. The Bank of England's Andrew Haldane says he cannot make "the remotest sense of pensions" and many experts "have no clue…
‘2013 was a good year for Greece’ – some unexpected words to start our first bulletin of the year with, but among some truly impressive stock market performances in 2013 the Greek index was up 27% to close at 1,163. It’s perhaps still not the place whe…
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Happy New Year and welcome to our first newsletter of 2014!
After a fantastic 2013, we’re looking forward to another great year here, with plenty on the horizon for all of us over the next 12 months.
With an election year coming in 2015, it’s likely …
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Responding to increasing fears that the UK could be on the edge of another housing bubble, The Bank of England took steps at the end of November to quash the increasing tide of new mortgages.
Concerns around any new bubble in the housing market have b…
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The economies on both sides of the Atlantic might be showing clear signs of an upturn as we start the New Year, but that doesn’t mean we can suddenly afford to ignore our personal financial planning. So in the best traditions of New Year here are ten f…
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In a report published in the last couple of weeks by the Pensions Policy Institute director Chris Curry says that there is “little evidence” the £35bn a year spent on tax relief on pension contributions actually encourages pension saving among low and …
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