Buy To Let – Is It Still Worth It?

You may have noticed that Chancellor George has been very busy lately on his mission to raise taxes. The obvious one for our clients in the NHS Pension Scheme has been the lowering of the limit on the Lifetime Allowance (LTA). It has reduced from £1.8m in 2006 to £1m this April! This means that […]

Mortgage Endowments – Stick or Twist?

We read a huge amount of articles on all sorts of financial matters each week. One that appeared in the press recently about the latest news on With Profits Endowment policies’ payouts grabbed our attention. Money Management magazine does an annual survey of policy payouts by various companies, and this years results have shown that […]

Moving Property – Sell or Rent Our House? – Hot Topics Q & A

Q. We are looking to move house and, ideally, would prefer to keep our current home and let it.  We need to know what is possible, based on the figures that we’ve given you. A. Ok, let’s look at the numbers.  Your current property is worth approximately £240,000 and you have an outstanding mortgage of £90,000. You […]

What’s The Best Way To Add Value To Your Home? – Hot Topics Q&A

Q. We had been considering moving house with our third child now approaching her 1st birthday. We looked at moving to a four bedroom home from our present 3 bed, but due to the turmoil in the housing market, there are not that many quality houses on the market in our area. It is also debatable whether we can […]

Buying Property Abroad – Hot Topics Q&A

Q. I’m about to purchase a holiday home in Galway. How do I finance the purchase and what options do I have? A. This is a great question! Especially as more and more of us are looking to purchase abroad. The good news is that you have various options. A couple are: 1. Use equity from your […]

Home Information Packs – What You Need To Know

From 1 June 2007, all home owners in England and Wales will need to prepare a Home Information Pack before putting their home up for sale. The government has introduced this latest measure to enable purchasers to be more informed about a property as early as possible and also to speed up the process as […]

Your Mortgage Endowment – Cash In Or Continue?

Many new clients we meet have one or two unitised with profits endowments in their investment portfolio. Whilst some have decided that there may be better alternatives available for their money after years of falling returns (and questionable prospects), many are hanging on in the belief that things could take a turn for the better. […]

The UK Property Market – Will it Crash?

This insight into the UK property market comes from Tony Roberts of pocomed. With the average price of a house likely to have reached £200,000 and residential property making up 53% of household net wealth, whether the housing market is going to crash or otherwise makes regular pub conversation. It is quite easy at a […]

The UK Property Boom – Will It Continue?

Whether we own property to live in, have it as an investment as a buy to let or as part of our portfolio in our ISAs or Pensions, the fortune of the property market is very important to our overall wealth. In a December article in "This is Money", they conducted a poll in which […]

Can you beat the estate agent?

How to sell your property without an estate agent, reduce commission payments to estate agents 0191 2173340