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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…

As an employee, you may find that you are eligible for an employee benefits package. Your employer may provide you some level of group protection. This may include life insurance, also known as a death in service, along with potentially an income protection benefit. Death in service is linked to your salary and is in…

After increasing the Bank Rate to 2.25% in September, the Bank of England (BoE) has since said it will ‘not hesitate’ to hike rates further to curb inflation. Variable rates Changing rates have a significant impact on the amount you repay on your mortgage. Those on a tracker mortgage will see their rate increase (or…

Planning for what you’ll leave behind once you’re gone is no easy task. But if you have loved ones that rely on your income, finding the right life insurance policy can make facing the unknown a little less daunting. Peace of mind Knowing your loved ones will not face financial hardship in your absence brings…

According to the Office for National Statistics, inflation hit a near 40 year high of 9% during April and could yet rise further during the remainder of the year. Driven by a further increase in the energy price cap coming in in October, experts are predicting this figure could rise to 10% putting a further…