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We provide expert mortgage and protection advice to healthcare professionals.

We provide expert mortgage and protection advice to healthcare professionals.

What is Cryptocurrency and can you use it towards a mortgage?

1. Deposit The first step is to understand how much deposit you are able to put down. The majority of lenders require a minimum 5% deposit however the actual amount you put down is your own choice. The bigger the deposit, the lower the loan to value ratio will be, meaning you can obtain a…

1. Deposit The first step is to understand how much deposit you are able to put down. The majority of lenders require a minimum 5% deposit however the actual amount you put down is your own choice. The bigger the deposit, the lower the loan to value ratio will be, meaning you can obtain a…

In the main, mortgage products will fall into one of two categories, fixed or variable rate deals. Historically, the difference in flexibility between the two types was significant but in recent years, the difference has reduced substantially. To generalise, fixed rates tend to be more secure but less flexible. Whereas, variable rates tend to be…

A solicitor conducts conveyancing, which is the legal transfer of a property between two parties – a seller and a buyer. The costs of buying or remortgaging a home can add up quickly. Having the right solicitor on your side is worth their weight in gold and could save you a lot of money. Your…

If you are planning to purchase or sell a property, there have been two significant announcements to be aware of: The Stamp Duty holiday extension The biggest announcement from the Chancellor is the extension of the Stamp Duty holiday. The Stamp Duty holiday was due to expire on the 31st March 2021 however, it has…

An update on stamp duty The Chancellor, Rishi Sunak, has announced there will be no stamp duty tax on all property purchases, up to £500,000. This positive news is expected to boost the economy and housing market following the Covid-19 crisis and lockdown restrictions. What is stamp duty? Before the announcement, if you purchased a…

The economic effects of the Coronavirus “We have never in peacetime faced an economic fight like this one” – Rishi Sunak, Chancellor of the exchequer. The Coronavirus has already caused quite a lot of economic turmoil, with one of the steepest stock market declines since the 2008 financial crisis. Economic uncertainty tends to lead to…

Following Labour’s landslide election win, much of the nation is waiting to find out what is in store for the UK housing market. Many major policy changes will be announced in the Autumn Budget on 30 October, but Housing Secretary Angela Rayner has already announced the new draft of the National Planning Policy Framework (NPPF),…

It was a disappointing Spring Budget for anyone looking to get onto the housing ladder. There was a distinct lack of announcements concerning Lifetime ISAs (contrary to expectations), no replacement for Help to Buy and no changes to Stamp Duty thresholds, a disappointment for many. Just a few days ahead of the key fiscal event,…

What next now Help to Buy has ended? Property experts are calling on the government to support SME builders and boost housing delivery after its Help to Buy (HTB) scheme ended on 31 March, having granted over 375,500 interest-free equity loans. The scheme was designed to support first-time buyers and boost the housing market by…

Life insurance first timer? Getting life insurance for the first time can seem daunting. Having to think about something as significant as how your loved ones will cope financially once you are no longer here can be quite overwhelming. We’re here to help break things down and help you make the right decision for your…