Get on the property ladder with the Help to Buy Scheme

All you need to know about recent changes to the government’s Help to Buy equity loan scheme. If you’re looking to buy your first home, you probably already know about the government’s Help to Buy equity loan scheme. It’s proved popular since launch in 2013, with almost 300,000 properties bought as part of the initiative […]

Get mortgage fit for 2021

Estimates suggest that well over one million borrowers have lapsed onto their lender’s default standard variable rate (SVR). Has this happened to you? If so, now could be the perfect time to consider a remortgage, to get your finances in good shape for the year ahead. Do you know your mortgage rate? If your current […]

Do I really need a survey? Well, the short answer is yes.

Contrary to costs such as legal fees, estate agency fees or Stamp Duty, having your new home surveyed isn’t actually compulsory. However, with a property being the most expensive thing most of us will ever buy, the price of not having it checked by a surveyor could be devastating. If you buy a property for the seller’s […]

Blog – Get to know your SVR

As a nation, we aren’t great with our financial acronyms and terminology. Life is busy and our heads are often full of important things to get done to make it through the week, without having to worry whether we know our LTV from our ERC! You’re certainly not alone if you’re feeling financially flustered. Recent […]

Blog – Home improvements to add value to your home

Evidence suggests that many more of us are putting down roots and choosing to stay in our current homes for longer. The average time a homeowner in the UK stays in their property is 21 years. This contrasts with the 1980’s, when a fast-rising property market encouraged a move every eight years on average. However, […]

Blog – What you need to know about self-build mortgages

If you’re thinking of building your own home, financing the project may be high on your list of priorities. Self-build mortgages are different from normal mortgages. They release funds at stages during the building work, rather than in one lump sum when you complete a property purchase. Some lenders also extend a loan to help […]

Blog – The Bank of…Granny and Grandad?

For many younger people struggling to get a foot on the property ladder, the Bank of Mum and Dad is the only option. With rent taking a huge chunk out of their income and the requirement for increasingly onerous deposits, two in five renters do not believe they will ever be in a position to buy […]

Protection insurance – the world is changing

The world is changing rapidly in a way that nobody could ever have expected, meaning your personal and financial circumstances are likely to have changed. It is important to regularly review all aspects of your finances and that includes reviewing your protection insurance, to make sure your policy provides adequate cover for your changing needs. […]

Exchanging contracts? Get buildings insurance first

Purchasing a property can be a busy, stressful time and it can seem like there are a million things to remember. Some things however, are more important to remember than others. For example, getting the right buildings insurance in place at the right time. Many people believe that they only need to take out buildings insurance once […]

Savings rates halved during coronavirus

Written by: Emma Lunn – YourMoney.com… Average savings rates are at their lowest point since its electronic records began in 2007, according to Moneyfacts. Since the start of March, the impact of the coronavirus and subsequent base rate cuts have seen average returns on savings accounts plummet. Moneyfacts’ latest UK Savings Trends Treasury Report found that average […]