Our experts cut through the noise to tell you what you need to know

With over 40 years of experience behind us and some of the industry's most quoted experts in our ranks, there's not much we don't know about mortgages.

However, we know our industry is awash with jargon, so our experts aim to keep it simple. Through this blog, social media and our monthly newsletter, experienced mortgage advisers explain the nuances of the mortgage market, how economic factors influence the availability of mortgages and get to the meaning behind regulatory changes. 

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16/04/2019

When you buy a second residential property, you pay an extra 3% in Stamp Duty. But, what if the property isn’t habitable at the time of purchase?

This was the question at the centre of the recent tribunal between couple Paul and...


02/04/2019

There's a lot to organise when you inherit a property. Is there a will? How much Inheritance Tax is there to pay? Does the property have a mortgage? We'll walk you through the process of what happens when you inherit a property in this post.


19/03/2019

When you buy the freehold of a property, you buy the property and the land on which it stands in perpetuity. However, not every property is freehold. Some are leasehold, which means you own them for a set number of years and don't own the land on which they stand.


12/03/2019

You have to pay Capital Gains Tax when you sell a second home or property. Figuring out how much you’ll pay can be tricky – but we’ll walk you through how it works in this guide.


18/02/2019

How will Brexit affect the property market? We asked our expert Ray Boulger common questions people have about what to expect. Here's what he said.


01/02/2019

When it comes to buying your first home, there is often one factor that gets in your way - your deposit. However, there are a few alternatives for those struggling to buy a home, these include: the Help to Buy Equity Loan and Shared Ownership scheme.


28/01/2019

It’s easy to see why Airbnb has exploded in popularity. It’s great for travellers because it’s flexible, cheap and – more often than not – you end staying somewhere that’s still pretty nice, despite the fact it costs less than a hotel. With such a demand for cheap, short-term stay, setting up an Airbnb can also be extremely lucrative. But, how exactly do you set up an Airbnb? And what kind of mortgage would you need?


16/01/2019

Maternity pay is always a hot topic, but what happens if you’re self-employed? Recently, John Charcol carried out a survey to discover what mothers really think about self-employed maternity pay and whether having a baby whilst self-employed is affordable.


28/11/2018

So you’re looking to move home? The process of moving home is usually for positive reasons, like moving to a new area, buying a larger property or because you’re starting a family or perhaps a new job? It’s often said that the process of moving home can be stressful and traumatic but it needn’t be, at least not from the perspective of your existing mortgage finances.


22/11/2018

Buy to Let (BTL) portfolios, as with any investment or business decisions, require proper reviews to assess their strengths and weaknesses and that any money spent is well placed and not wasted. On that note I want to share with...


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