If you are coming to the end of the advantage period on your mortgage you will need to begin to look at your remortgage options, you should do this around 3 months before your interest rate changes. It is common…
Help to Buy ISA or Lifetime ISA?
The Help to Buy ISA will be closed to new savers from 1st December 2019, therefore prospective first time buyers should be assessing whether it is best to open one now or whether to go for the alternative Lifetime ISA. …
Beware of New Builds
Nothing looks better than a newly built property on the market. The walls are blank canvas’ ready for you to put your mark on, the brick work is bright and new and the photographs are always very pleasing to the…
When Should You Get A Decision In Principle
The Ministry of Housing would like to encourage buyers to get a decision in principle as early as possible. This sparks a debate as to when in the house buying process someone should actually obtain a decision in principle…
Consider Long Term Fixed Rates
In the current mortgage market, fixed rate deals are a far more popular choice than variable rate deals. It almost seems inevitable at the moment, that people will choose a fixed rate mortgage. They worry interest rates may rise…
What To Look Out For When Buying A Property
The first rule you should give yourself when property hunting is, do not get too attached to a property. Yes you need to be able to see yourself living in the property but don’t let that idea run away with…
Put Your Eggs In Different Baskets
When it comes to being a sensible investor, one of the first rules is not to put all of your eggs in the same basket. Where possible, you should try and put your eggs in as many different baskets as…
Reasons to Downsize
Many strive to accumulate wealth throughout their lives via ‘trading up’ to larger and more valuable properties. Once they are ‘winding down’ towards retirement, down valuing (and usually downsizing) for many may seem like the next logical step throughout their…
The Buy-To-Let Goldilocks Zone
We all know the story of Goldilocks and The Three Bears, but you may not have heard of the lesser known sequel Goldilocks and The Three Buy-To-Let Investment Properties. The first property she bought was too expensive. She found…
Can’t Have Your Cake and Eat it
In recent years, the definitions of the self-employed and employed have become increasingly blurred. There are many different structures that accountants are coming up with to try and minimise their clients’ tax bills. One example of this can be…