J S Associates

22/03/2023

Birmingham City Council have announced that from September 2023, all HMO's will have to be licenced, not just 5 bedrooms and above. That means 3 and 4 bed HMO's previously unlicenced will now require a licence and will have to confirm to the same standards as licenced HMO's.
https://www.birmingham.gov.uk/info/20175/private_housing/2648/additional_licensing_for_hmos
If the licencing policy follows the same format as for current HMO's that means they will notify your lender that you are applying for a licence. So if you have a mortgage and it is not a BTL mortgage or a HMO mortgage, that could present problems for you.

Read about the timescales and process for applying for an additional licence.

29/03/2019

https://www.bbc.co.uk/news/business-47736636

But the Nationwide says house price rises in the other nations mean the UK average is still growing.

27/03/2019

https://www.landlordtoday.co.uk/breaking-news/2019/3/could-btl-investors-avoid-3-stamp-duty-surcharge-following-tax-tribunal-ruling?fbclid=IwAR0m62deKpzaYmfWLQeshllraPNmLyhqecBZEGeJ_URJwoD3IbhM1_tIji4

Interesting Stuff!!!

02/08/2018

Bank Of England Raises Interest Rates
https://www.bbc.co.uk/news/business-41831777

If you are on a variable rate, you should consider switching to a fixed rate. Contact us for further advice if you are considering your options

Over four million householders could face increased payments, but 45 million savers could benefit.

25/06/2018

RICS Surveyor who specialises in Compulsory Purchase Orders

Hello all, I am looking for a RICS surveyor who specialises in Compulsory Purchase Orders, can anyone help?

19/04/2018

We are pleased to announce the launch of our new website www.jsamortgages.co.uk
Please have a look and let us know what you think.

J S Associates Birmingham mortgage broker

12/12/2017

http://www.bbc.co.uk/news/business-42322596

East Midlands prices rose at the fastest pace in the year to October, while London saw the slowest growth.

03/11/2017

https://www.msn.com/en-gb/money/homeandproperty/house-prices-across-britain-expected-to-grow-by-14percent-by-2022/ar-AAulwuQ?li=AAnZ9Ug

Savills expects house price growth regionally to range from an 18% increase in the North West to a 7% uplift across London.

02/11/2017

http://www.bbc.co.uk/news/business-41846330

UK interest rates rise for first time in 10 years from 0.25% to 0.5%, the Bank of England announces.

31/10/2017

https://www.msn.com/en-gb/money/personalfinance/will-uk-interest-rates-rise-how-much-will-they-go-up-how-would-it-impact-your-mortgage-and-the-property-market/ar-AAuetsu?li=AA54rU

The Bank of England's monetary policy committee is due to meet this Thursday, November 2, with almost all experts now predicting that they will vote through a rise in the base rate of interest, for the first time in a decade."

13/09/2017

Job Vacancy

We are currently looking to recruit an administrator, so if you know anyone looking for a job, ask them to give us a call. We are happy if anyone wants to do an apprenticeship. They must be computer literate, very good with Microsoft Office and pay attention detail.