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22 June 2016
As you may have gathered from all the intense debate over the last 3months it is pretty clear what will happen if we decide to stay in or leave the EU.
What will happen is....
....nobody knows, either way !
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05 May 2016
Following the changes to stamp duty and the restriction in mortgage interest relief for buy to lets, the market is in a state of freefall.
It is basically just much more expensive to buy and own a buy to let property.
The latest nail in the coffin comes from one of the leading buy to let lend...
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18 November 2014
Saw these stats recently and following another conversation about life assurance that ended in " I'm ok, I'm fit and healthy, I don't need life assurance."
Between the ages of 25-34 a man has a 1 in 1215 chance of dying, and a woman 1 in 2488.
Between 35-44 it falls to 1 in 663 for a man and 1 in...
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30 October 2014
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16 October 2014
Just read that more people insure their cats and dogs than take income protection insurance for themselves !
If you couldn't work due to ill health or a serious accident, would you be able to pay the mortgage, feed the family, heat the house, or even maintain the pet insurance !?!
The answer for m...
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03 October 2014
Since MMR it is certainly more difficult to get a mortgage. Lenders are now looking at all aspects of your finances, particularly outgoings on top of the more common credit commitments such as loans, HP, credit card debt etc.
Lenders are now looking at childcare costs, pension contributions, school...
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31 July 2014
The rate of increase fell from 11.8% in June 2014 to 10.6% in July 2014, with a monthly change of 0.1% (down from 1.0% in June).
This meant the average house price increased from £188,949 to £188,903.
So prices are still rising, just not as quickly. Looks like Mr Carney’s warning has had the desir...
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15 May 2014
Finally the MMR has been introduced. So what has changed?
The answer is; not much really. Most lenders and brokers have been gearing up towards this over the last few years and so were already operating in a post MMR environment.
MMR is generally all good common sense – affordability based le...
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