Stamp Duty relief is changing – what first-time buyers need to know
If you’re a first-time buyer, there are two words that you might not be familiar with – stamp duty. When you are thinking about buying your first home you’ll have been saving for a deposit and thinking about how you will pay to kit out your home but there are other costs to account for […]
Home Movers face upcoming changes to stamp duty relief – what you need to know
If you’re looking to move house, there’s an important date to mark in your calendar – Monday, 31st March 2025. This is the day that the current stamp duty relief will end and thresholds will change in England and Northern Ireland. But what does this mean for your house move? How much stamp duty will […]
Autumn Budget 2024: Winners and Losers
Chancellor of the Exchequer Rachel Reeves outlined the Government’s financial plans for the next five years. The measures, which will raise up to £40 billion for public finances, aim to “restore economic stability” and put “more pounds in people’s pockets”. On 30 October 2024, Chancellor of the Exchequer Rachel Reeves announced the UK Government’s Autumn […]
Here’s how financial protection can offer security for parents
Serious illness can place immense stress on our families. The cost of caring for an unwell child, worry over access to essential services, and the emotional toll of serious illness are all things that no parent wants to think about. We can’t predict what the future will hold for the health of our families, but […]
Worried a “credit blip” will stop you getting a mortgage?
The cost-of-living crisis and inflationary pressures has put pressure on people’s finances. And made it harder for people to get on the housing ladder due to affordability constraints and more people having a less than perfect credit history. How important is your credit history for mortgage lenders? Looking into your credit history is one of […]
I’m over 50 and want to apply for a mortgage
Getting a mortgage in your 50s and beyond used to be a challenge, but things have changed! Nowadays, mortgage lenders are more willing to help older applicants buy homes or refinance. So, if you’re thinking about getting a mortgage later in life, here’s what you need to know. Age limits and what lenders look for […]
Are you self-employed? We can help you navigate the mortgage market
Do you feel like you have to jump through more hoops when applying for a mortgage just because you’re self-employed? And not sure which way to turn? We’re here to help. We are mortgage advisers and we can help you navigate the self-employed mortgage market and any of the challenges you may face. What is […]
The healthy extras you get with protection insurance
Have a healthy new year with the additional health services included in your protection insurance As a new year begins you may want a fresh start for you and your families’ health. Did you know that many insurance policies offer access to a range of health and wellbeing services that can help? You also don’t […]
The essentials you need to know about credit checks before borrowing money
The information a lender finds during a credit check is important It could affect whether you’re able to borrow money, including through a mortgage, and the interest rate you’re offered. Yet, they can also seem perplexing. Indeed, a Royal London survey found that a third of Brits had never looked at their credit report. The […]
Should I get an interest-only mortgage?
If you’re about to come off a fixed rate mortgage, then you could be forgiven for wondering what’s in store for you. Until relatively recently, interest rates have been at near-historic lows for over a decade. In the last two years, though, they’ve rocketed. Higher interest rates, coupled with the cost-of-living crisis and high inflation […]