Why use an independent mortgage adviser?
WHY USE AN INDEPENDENT MORTGAGE ADVISER? This is a question that gets asked all the time. Bear in mind that we have been giving independent mortgage advice since 1992 1. Access to the whole mortgage market – apply for exclusive and online-only deals in addition to what your own bank or the...read more
Don’t dismiss getting income protection in your 20’s and 30’s.
Although income protection may be seen as something that is only needed for those in the later-stages of life, recent statistics from healthcare and protection insurer The Exeter, show this to be untrue. According to statistics, there has been an increase in the number of people claiming for...read more
House Prices To Rise 2% in 2020
Experts believe 2020 will see around a 2% rise in house prices. House prices have changed a lot in the last 10 years. As we kickstart into another decade, what does the year ahead hold for the property market? Following last year’s election, the political certainty gives buyers and sellers a...read more
Equity Release Should Family Be Involved ?
Should you involve family members when considering Equity Release. We always advise our clients to bring family members into the conversation as it may effect the amount of money left as part of an estate when someone dies. First of all, what is equity release?Essentially, equity release allows...read more
First Time Buyers Tips
First Time Buyers Guide Getting that first foot onto the property ladder isn’t always straightforward. However we have put together a short guide for First Time Buyers to cover the basics. Obviously this is general advice. But if you would like advice pertaining to your personal circumstances,...read more
My Favourite Hobby – Being a Football Referee
I love my job, but it can be very stressful, not only for my clients, but for me too. After all its part of our policy to hold our client’s hand every step of the way when they apply for a mortgage. So my stress buster is to go running around on a Saturday or Sunday (and sometimes during the...read more
Our New Radio Adverts
Our radio adverts have worked really well for us. They have opened up a brand new audience for our mortgage advisers. We could have gone down the same route as many other financial advisers who advertise on the radio with a boring male voiceover, but we wanted to have some fun. So Pete Sutton who...read more
Understanding Stamp Duty
If you are purchasing a house that costs over £125,000, you will have to pay what’s called a ‘Stamp Duty Land Tax’. This tax is payable for both freehold and leasehold properties, regardless of whether you are buying the property with a mortgage or outright. As the stamp duty tax is calculated...read more
Landlord Tax Relief Changes
There are currently approximately two million private landlords in the UK according to research from HomeLet. Countrywide reported that 93% of its landlords have just one rental property. So the recent changes in Tax Relief by the last chancellor George Osborne are going to affect the long term...read more
The Help To Buy Scheme
With a significant rise in housing prices and stagnating wages, getting onto the property ladder has proven out of reach for many UK residents. However, since the introduction of help to buy scheme in 2013, the government has now made it easier to own a property in England. The help to buy scheme,...read more