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Santander Joins Help to Buy Scheme

Created on 27 July 2013.

We can report today that Santander has become the latest major mortgage lender to join the Government's Help to Buy scheme. The Government's scheme to boost low deposit mortgage deals has been flying off ...

Second Mortgages- Checks and Challenges

Created on 03 December 2012.

When talking about a second home mortgage, this can mean anything from a holiday home, to a second property for later life plan; to housing for one’s children, or as a property investment to be rented ...

Expat Looking to Repatriate to UK

Created on 08 April 2016. Posted in Ask the Specialist

We live in Brittany and want to buy a UK property with a mortgage while we have our French home up for sale, waiting for a buyer. We would be prepared to move back to live in our UK house even though we ...

How can I get a second home mortgage?

Created on 24 June 2015. Posted in Live News

We are delighted to see so many Britons buying second homes for holidays, work or perhaps their retirement. These are homes not used as rental properties but for those who have enough spare capital to ...

Mortgage market bounces back in April

Created on 23 June 2015. Posted in Live News

... market was not left behind either despite super low base rate. There were 35,930 remortgage approvals in April (up 15.8% on the 31,007 approved a year earlier). This was the second consecutive month where ...

Five key ways a Tory election win affects your mortgage planning

Created on 29 May 2015. Posted in Live News

... instead of the uncertainty of coalition haggling that was expected. Secondly, the Conservative are committed to a faster deficit reduction plan than the other parties with debts falling at a sooner date. ...

Buy to let booms 13% in a year

Created on 14 May 2015. Posted in Live News

... income into retirement. Secondly, the shift away from social housing and decline in people owning homes is creating opportunities for those in the private rented sector. With more immigrants, students ...

Are second homes about to be hit with higher taxes?

Created on 27 April 2015. Posted in Live News

We are concerned by yet more political plans to tax property in the UK this time on second homes and from the Liberal Democrats. We have already seen issues arising from Labour’s mansion tax plans. This ...

Could you pay capital gains tax on your first property?

Created on 17 March 2015. Posted in Live News

... more than £2m. The private residence relief means home owners do not need to pay capital gains tax on their primary property. On second homes everyone must pay capital gains tax of 28% above the £10,000 ...

Pensioners enjoying Govt rewards should think about mortgages

Created on 10 March 2015. Posted in Live News

... housing markets.   Secondly, the Treasury has unveiled pensioner bonds meaning anyone over age 65 can access inflation and market-busting saving rates of 4% over three years. Considering the ...

Millions Overpaying on Mortgages -The Cost of Complacency?

Created on 01 February 2015. Posted in Live News

... today? Once they assess the cost of this rate and the actual monthly commitment they are physically paying a mortgage lender, from their own purse or wallet, they can then turn to the second and further ...

Housing market cools as price growth slows

Created on 23 October 2014. Posted in Live News

... the words of Nationwide Building Society. In its latest poll, Nationwide reported year-on-year growth had slowed for the second consecutive month in October. The building society says prices rose 0.5 ...

Can I let my existing home and buy another?

Created on 30 May 2014. Posted in Ask the Specialist

Hi, I owe £9000 on my property which is worth around £210000. I'm thinking about letting this and buying a second home . I earn 25k pa, and would get £800pcm for renting my first home. I am 45 years ...

Is Help to Buy Causing a Housing Bubble?

Created on 05 May 2014. Posted in Live News

... a short-term tax to fund the Napoleonic wars but is now takes up nearly half of many people’s salaries. The Scheme- Part 2 Many of the concerns around Help to Buy revolve around the second part of ...

My daughter has moved into the area and her husband is working abroad for a UK company. What kind of mortgage could be offered to them?

Created on 29 March 2014. Posted in Ask the Specialist

... country for the requisite qualifying period and not required to pay UK tax then this may cause a problem for your daughter when they come to arrange a mortgage. Secondly, most lenders will not consider ...

My wife and I moved abroad and are now looking for a UK base for holidays - is this possible?

Created on 04 March 2014. Posted in Ask the Specialist

... mortgage applicant given that you are outside of the jurisdiction of the UK authorities etc. Secondly, some lenders are not keen on the property being left empty for periods of time whilst you are overseas. ...

Equity release market rockets 16% in 2013

Created on 27 January 2014. Posted in Live News

... loan rose to £60,938, representing 25 per cent of the average property value on average. More than 10,000 customers took out equity release plans in the second half of 2013, releasing £594.3m which is ...

Down-valuations continue to fall as economy recovers

Created on 09 November 2013. Posted in Live News

... Strategy, shows 23.7% of properties in England and Wales were down-valued in Q3 compared with 25% in the second quarter and 26% in Q3 2012. In Scotland, the proportion of houses down-valued fell from ...

With the Credit Squeeze in the Rear View Mirror - What's Happening in the Rental Market?

Created on 07 November 2013. Posted in Live News

... supply increases. The recent CIPS/Markit survey showed the strongest growth in private house building since 2003. Furthermore, the newly brought forward second phase has eased the competition in the ...

Banks Get Moving With Government Lending Schemes

Created on 07 September 2013. Posted in Live News

We are pleased to reveal the Government’s flagship scheme to boost lending has finally started to have a major impact with net lending to homeowners and businesses in the second quarter of 2013 growing ...