Independent Mortgage Advice

February 2017

What are you planning for in 2017?

By |February 1st, 2017|

How to look forward to what you want to accomplish

When was the last time you wrote down your goals? More importantly, when was the last time you revisited them?

A new year can be seen as a fresh start and a marker to look forward to what you want to accomplish – personally, professionally and hopefully […]

June 2016

A rise in 95% loans linked to Help to Buy

By |June 2nd, 2016|

According to an article published by mortgage strategy The Help to Buy Scheme caused 95 per cent LTV loans to increase 383 per cent to 271 products from 56 when the scheme was first launched.
This scheme had been set up back in October 2013 and is due to end this year.
Finance expert Charlotte Nelson from […]

May 2016

Changes to Stamp Duty

By |May 4th, 2016|

What could the shake-up mean for you?
Changes to the stamp duty rules took effect on 1 April 2016 in relation to anyone owning more than one residential property – this will affect those buyers funding the purchase of a new home with the sale of an existing home: if their buyer pulls out but they […]

April 2016

Mortgage lending surged to £25.7bn in March

By |April 22nd, 2016|

March saw the highest level of mortgage lending on record since before the credit crunch.

In One of Mortgage Solutions articles they stated that Mortgage lending in March rose to a massive £25.7bn, according to the Council of Mortgage Lenders – the highest March figure since 2007.

This lending boom was fuelled by buyers racing to beat the […]

Buy-to-let lending up 60% ahead of stamp duty changes

By |April 14th, 2016|

According to The Guardian , Council of Mortgage Lenders reports a near-50% increase in the number of buy-to-let loans taken out, with first-time buyer mortgages up by 11%.

Lending to buy-to-let investors rose by almost two-thirds in the 12 months to February, as some landlords took advantage of low interest rates to remortgage, while others added […]

Buy-to-let landlords keep benefiting from cheaper mortgages

By |April 13th, 2016|

In an article in which the Guardian had published on the 11 April they stated that Buy-to-let landlords are continuing to benefit from falling mortgage rates, according to new data, despite policymakers saying they are keeping a close eye on the fast-growing sector.

They had also stated that data from finance website Moneyfacts shows that the average […]

Homeowners with ‘granny flats’ look set to avoid 3% Stamp Duty surcharge

By |April 12th, 2016|

According to Mortgage Solutions Property owners with a ‘granny flat’ in their grounds look set to avoid the 3% Stamp Duty surcharge aimed at buy-to-let investors and second homes following an intervention by Sir Eric Pickles.
MPs had gathered together in the House of Commons yesterday to discuss the details of the Finance Bill which, among other […]

February 2016

Is 2016 the ‘year of the first-time buyer’?

By |February 22nd, 2016|

Financial Reporter have stated that 2016 could be the ‘year of the first-time buyer’ encouraged by low interest rates, initiatives such as Help to Buy, and buy-to-let investors facing increasingly adverse taxes.

Government initiatives and low interest rates are aligning with more property choice for first-time buyers, with 10% year-on-year jump in the number of two […]

Help to Buy ISA opened every 30 seconds

By |February 17th, 2016|

According to Mortgage Advice Bureau A quarter of a million first-time buyers have opened a Help to Buy ISA since the scheme launched in December last year.

The number of ISAs opened means that there is an equivalent of one person opening an account every 30 seconds, or just over 3,000 per day, and over 25,000 […]

Mortgage lending rockets as property investors rush to beat April tax change

By |February 12th, 2016|

House purchase approvals were up 20% between December and January, fuelled by the buoyant buy-to-let sector.

Mortgage Solutions yesterday said, The January Royal Institution of Chartered Surveyors (RICS) survey reported a surge in new instructions in January with buy-to-let investors rushing to get into the market ahead of the 3% Stamp Duty hike, intensifying price rises despite […]

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