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House Buying

 
LISA house

Does it help to try Help to Buy?

Help to Buy has been in the headlines recently. A National Audit Office report said that people were borrowing money from the government scheme when they didn’t need to, which has pushed up house prices and made it more difficult for some people to get on the housing ladder.

Let’s look beyond the headlines at the scheme and its implications.

June 21, 2019
 
 
 

Interest-only mortgage mess? Don’t Panic!

An interest-only or endowment mortgage is one where you pay only the interest and not the mortgage balance itself. There are over 1.6m interest-only or part-interest mortgages in the marketplace. If you’ve got one, your biggest concern is: how are you going to pay it back? Don’t panic, just make sure you have a strategy in place.

April 19, 2019
 
 
 

Joined-up thinking: couples and finances

Money, like a relationship, is a very emotional thing. Put the two together and you’ve either got sweet sailing or stormy waters ahead. Discussing your thoughts and rules around money is important as a couple. You need to develop together in a financial sense as well as an emotional one. Based on over 20 years of working with couples and their finances, here are some tips on navigating the journey together.

February 13, 2019
 
 
 
 
LISA house

Help ‘me’ to Buy my first home ISA!

According to a recent Government press release, more than 1.2 million people have opened a Help to Buy ISA account. The latest Government statistics show that: the average Help to Buy bonus claim has reached £800, a new record; and 146,753 property completions have been supported by the scheme, which has helped to finance properties worth £25.3 billion…

September 12, 2018
 
 
 

Buy to Let continues to slow

In recent weeks there have been rumours, originating initially from The Sun , that the Treasury is contemplating a fresh increase in stamp duty land tax (SDLT) on buy-to-let (BTL) properties. The idea comes at a time when SDLT receipts are showing signs of flagging.

August 28, 2018
 
 
 

Capital Gains ruling on your main residence

In the recent case of McHugh v HMRC, the First Tier Tax (FTT) Tribunal were asked to consider the question of whether private residence relief from capital gains tax (CGT) should be given in respect of any part of a three-year period of ownership that preceded the taxpayer’s occupation of the property.

August 27, 2018