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When you have diabetes

Tuesday, 19 June 2018

Diabetes Cover

When you have diabetes, finding life insurance that meets your needs and budget can be difficult or even impossible.

That’s why Conran Financial can now offer Diabetes Life Cover – it’s designed specifically for people with type 1 and type 2 diabetes, who may have found it difficult to get affordable cover in the past.

Increased HbA1c tolerance - we can offer life cover to more people with type 1 and type 2 diabetes than ever before.

THE GREAT BRITISH BTL SELL OFF

Tuesday, 12 June 2018

According to research by ARLA, the market is experiencing a three year high of landlords selling their lettings stock!

With the additional 3% Stamp Duty charge reducing new investors to the market coupled with increased taxation for landlords when they have a mortgage on their property (known as Section 24 legislation) this has resulted in far fewer rental properties available in comparison to the number of tenants looking.

As a parent myself it scares the life out of me when it comes to helping my kids buy their fist home. After all, getting on the ladder is likely to need the help of a parent. Here are some helpful ways you can do this without incurring the extra 3% Stamp Duty levy;

At June 2017, the average value of London property was classed as £675,305 which is a figure that had decreased by 0.58% in comparison to the figure from 12 months previously. It was also a figure that had decreased by 0.83% on the figure from six months ago.

Buying property is a major aim of many people but it can be a difficult challenge. This is why it is helpful to get as much assistance as possible and the Government is well aware of the importance of helping people to buy property. This is why there are a number of Help To Buy schemes that can assist people in getting on to the property ladder.

For some time, mortgage rates have been at all-time lows. I didn’t think that rates could get any lower… how wrong was I.

The broad range of mortgages share many different aspects and elements but there are also many different elements to the individual types of mortgage on offer. This is why if you are looking to buy property, it makes sense to know the different types of mortgage and you should work out which type of mortgage is right for you.

In all my years of arranging mortgages (25 years now) I have never seen such competitive fixed rates at higher loan-to-values. For example, first time buyers with a 15% deposit can now achieve fixed rates under 1.5%!

Landlords: Limited Company Mortgages

Thursday, 12 January 2017

With the new HMRC tax changes coming your way, have you thought about how the next few years will look for your Buy-to-Let property, or even your Portfolio if you are lucky enough to have one? HMRC can tell you more here – its riveting I am sure you’ll agree: www.gov.uk/guidance/changes-to-tax-relief-for-residential-landlords-how-its-worked-out-including-case-studies

 The Mortgage Credit Directive will soon be in effect

 As of 21st March 2016, the new EU Mortgage Credit Directive will come into effect and this is also likely to impact on the mortgage sector as the application process will become tougher. The industry is being asked to carry out tougher tests with respect to affordability and income, and this has seen many of the leading mortgage lenders increase training for staff members in recent months to meet the new requirements when they come into effect this year.

Stamp Duty Changes

Tuesday, 15 March 2016

The Stamp Duty changes have greatly impacted on the mortgage industry

Although the stamp duty changes don’t come into effect until April, they have understandably had an impact on the mortgage industry and many lenders. The government hopes that the long term impact of this change in tax will see fewer homes being made available in the buy to let market but it seems as though the beginning of 2016 has been marked by lenders having a strong start to the year.

Most of the changes in the mortgage industry in the past 12 months have been reacting to laws and regulations that will come into effect in the future. Some observers will think that these won’t have mattered in the past 12 months but the industry is aware of future implications and of the need to be ready for the impact caused by these changes and developments in the mortgage industry.

Are you Mad to be a Landlord?

Monday, 07 December 2015

In simple terms, no you are not, as property is simply a great investment especially over the medium to long term (sometimes in the short term if you negotiate a great deal!).Being a landlord is complicated and professional help is a must especially with many recent changes to legislation.

 

I kid you not, recently we were commissioned to place a mortgage for a lovely young couple and the bank would not lend on the property because the surveyor did not like a plant on the boundary.

After investigation it wasn’t a normal plant rathermore Japanese Knotweed!


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