Welcome to our blogs which relate to the financial services you may be interested in from mortgages to pensions; protection to auto-enrolment and many more. So why not grab a drink and enjoy the read.
Mortgages have historically run for 25 years. They have over time developed and many lenders offer terms from between 5-35 years. However, some lenders are now allowing you to mortgage your property well into your retirement. How does it work? Lenders will assess affordability based on your current circumstances, which for many people, will result in greater levels of affordability,
Being a First-Time Buyer and taking your first step onto the property ladder is always a big life stage. For many, it is the most expensive purchase we are likely to make. It has also been well documented about how difficult it can be for first time buyers in the current market with house prices rising much quicker than national
Equity release plans have, for a long time, been poorly thought of by many members of the public. However, the industry and regulators have made a real effort to improve its image and ensure plans are as safe as possible. The plans are regulated by the Financial Conduct Authority and many of the providers now belong to the Equity Release
Buy-To-let Landlords are to be taxed differently from April. Here are the main changes and how you should start planning for them now. The two key changes that will impact upon this are: Finance costs, including mortgage interest, are being phased out until that they can no longer be deducted in 2020/21 when calculating taxable income. The amount of tax
Buying your first home is a dream for many young adults up and down the country. However, this has become harder and harder throughout the generations as house prices have risen. To support first time buyers in overcoming these obstacles the government has launched many First-Time Buyer initiatives and schemes. Two of their most recent schemes are their Help to
Stamp duty is often one of the biggest costs associated with purchasing your home. For some people and properties, it can be enough to put them off. However, a new scheme is being released by some lenders that will enable you to receive cashback to cover the stamp duty costs as part of their mortgage agreement. How does it work:
What is equity release? Equity release is a growing market with more and more people, who are approaching retirement, realising their pensions may not enable them to live the lifestyle they would like to. Equity release enables you to release some equity held in your home enabling you to enjoy some of the finer things in life. You can raise
A SSAS is a Small Self-administered pension Scheme which typically doesn’t allow more than 11 members and must be supported by a Ltd company. Due to the small nature of the scheme, it lends itself well to small or medium sized companies that are typically family run. One of the reasons a SSAS may be suitable for such companies is