HCH Financial Services

07/06/2025

Our support goes far beyond home loans...

27/05/2025

20 video podcasts in our HCH Mortgage Podcast library!

Sit back with a cuppa, and enjoy >

Everything you need to know about holiday let mortgages – brought to you by HCH Financial Services, a brand powered by Host Planet and HD Consultants.

27/05/2025

https://www.youtube.com/watch?v=AYX4-GFUmAw The difference between interest-only and repayment holiday let mortgages

The HCH Mortgage Podcast shares everything you need to know about holiday let mortgages.The show is brought to you by HCH Financial Services – a new brand po...

27/05/2025

https://www.youtube.com/watch?v=IVOErUymWCY The latest video podcast with Host Planet

Are interest rates about to fall? Is a new wave of property investors on the horizon? And are mortgage lenders starting to show more flexibility for holiday ...

27/05/2025

HL mortgage and insurance experts

0333 12345 36

[email protected]

27/05/2025

0333 12345 36

[email protected]

05/03/2025

🏠 UK Private Rents Surge by 8.7% in 12 Months! 📈

According to the Office for National Statistics, private rental prices in the UK have increased by 8.7% over the past year, bringing the average monthly rent to £1,307.

Regional Highlights:

London: Leading the surge with an 11% annual increase, pushing average rents to £2,227 per month.

Scotland: Not far behind, experiencing a 9.3% rise, with average rents now at £957.

Key Factors Driving the Increase:

High Demand: A competitive rental market with more tenants than available properties.

Rising Costs: Landlords facing increased expenses, including higher mortgage rates and maintenance costs.

As the rental landscape evolves, both tenants and landlords must stay informed and adapt to these changes.

04/03/2025

🏡✨ 2025 Staycation Trends You Need to Know! ✨🏡

Thinking about a UK getaway? The latest booking trends from Holidaycottages.co.uk reveal what’s hot for 2025! Here’s what’s in store:

🔹 Big Group Getaways – Bookings for large holiday homes (8+ guests) are up 25% compared to 2024! Families and friends are planning ahead to secure their perfect spot.

🔹 Hidden Gem Destinations – More travelers are choosing peaceful, off-the-beaten-path locations like Newquay, Wales & Debenham, Suffolk to escape the crowds.

🔹 Dog-Friendly Stays Rule – Properties that allow dogs see 18% more bookings! 🐶 Our four-legged friends are a top priority when planning trips.

🔹 Quirky & Unique Stays – Bookings for unusual properties (think glamping pods & treehouses) have jumped 25%! More people want something different for their holiday.

🔹 Shorter, Spontaneous Breaks – Weekend getaways and last-minute trips are on the rise, with a 16.6% increase in short stays (1-3 nights) compared to last year.

🚀 If you're a holiday let owner, now’s the time to highlight what makes your property unique! Are you seeing these trends in your bookings? Let us know in the comments! 👇

03/03/2025

Whether you're an Airbnb host, a holiday let owner, or looking to enter the holiday rental market, our team of experts are here to support you every step of the way.

Please reach out if you have any questions.

Most Holiday Let Mortgages are not regulated by the Financial Conduct Authority.

28/02/2025

🏡 Stamp Duty Changes! 💰

Stamp duty and property tax rules are changing across the UK! Here’s how they compare before 31st March 2025, and onward from 1st April 2025:

📅 Until 31st March 2025:

🔹 England & Northern Ireland (Stamp Duty Land Tax – SDLT)
✅ First-Time Buyers: Pay no SDLT on homes up to £425,000 (if the property is under £625,000).
✅ Second Homes & Buy-to-Let: 3% surcharge on top of standard rates.

🔹 Scotland (Land and Buildings Transaction Tax – LBTT)
✅ First-Time Buyers: No tax on the first £175,000.
✅ Second Homes: The Additional Dwelling Supplement (ADS) is currently 6%.

🔹 Wales (Land Transaction Tax – LTT)
✅ First-Time Buyers: No special relief—standard tax applies from £225,000.
✅ Second Homes: 6% surcharge on additional properties.

📅 From 1st April 2025:
🔺 England & Northern Ireland (SDLT Changes)
❌ First-Time Buyers: SDLT threshold drops to £300,000 (from £425,000).
❌ Second Homes & Investors: No SDLT band changes, but mortgage affordability could be affected.

🔺 Scotland (LBTT Changes)
❌ Second Homes (ADS Increase): Rises from 6% to 8%, making it more expensive to invest in additional properties.

🔺 Wales (LTT Changes)
❌ Potential LTT Adjustments: Further increases may be introduced, particularly on second homes and buy-to-let properties.

💡 What This Means for You:
🔸 Buying a home? Act before April 2025 to secure lower stamp duty rates.
🔸 Investing in a second home? Consider higher upfront costs in Scotland & Wales.
🔸 Mortgage Planning? Changes could impact affordability checks and lending criteria.

📩 Thinking of buying? DM us today for expert guidance!

Information taken from MoneySavingsExpert as at 13/02/2025