Cavendish Financial Solutions

26/02/2026

Are you mortgage ready? Get ahead of the pack

25/02/2026

Mortgage rates are falling!

20/02/2026

Fixed rate ending?

20/02/2026

Helping families achieve homeownership dreams

17/02/2026

17/02/2026

First Time Buyers

21/03/2024

With only 1 year to go until Stamp duty thresholds are reduced - is it now time to Buy or Buy and Sell?

Changes from 31st March 2025-

First time buyers SDLT threshold will be reducing from £425,000 to £300,000.

Home Movers/Subsequent buyers threshold will reduce from £250,000 to £125,000.

Thinking of buying or moving then give us a call - 01323 412013

Call now to connect with business.

08/03/2024

Would beating the tax man mean selling your AIRBNB Furnished Holiday Lets?

The Chancellor has announced from April 2025 that they will abolish the current tax treatment for Personal FHL.

If you decide to sell your holiday home, then you will need to pay Capital Gains Tax (CGT). The current CGT for residential properties is 18%, or 28% if you pay a higher rate of tax from April 2025.

However, as an FHL is considered a business, the gains on the property may qualify for Business Asset Disposal Relief (formally known as Entrepreneurs’ Relief). If your property qualifies you will pay a reduced CGT of just 10% if you sell before April 2025.

‘Roll-over’ relief may also be available if you intend to use the gains from the sale of your FHL to purchase a new one or reinvest it in another business. This type of relief allows you to defer paying capital gains tax until you sell the second property. Could sale and then purchase through a limited company be the way forward?

We don’t claim to be tax advisors, but we can help you along with your tax advisor to steer you through. So, if you’re worried then please contact us for an informal chat.

29/02/2024

Introducing Critical Illness Cover - Call 01323 412013 or message us to arrange a confidential chat.

26/02/2024

Experience Matters.

A lot can go into finding a mortgage that’s the right fit for you so, before you go with a lender because your brother-in-law’s car mechanic said his buddy got a good deal from XYZ Mortgage Company, you might want to do a little homework on your own.
And here’s a great place to start.
Ask what kind of experience the mortgage advisor has.
This is an especially important question if you’re a first-time home buyer or if you’re refinancing. Getting a mortgage is not a walk in the park and it’s good to have someone in your corner to guide you through the process.
Here are a six important considerations and questions to ask.
1. Are they easy to get a hold of?
2. Do they answer requests in a timely manner?
3. Do they provide honest, straightforward answers?
4. Do they communicate the way you do – phone, email, text, client portal etc.?
5. Are they experienced?
6. Are they independent with whole of the market access or do they have a restrictive panel?
There is certainly more that goes into the decision-making process, but if the mortgage advisor doesn’t pass the experience test, move to the next one on the list – regardless of what your pet groomer’s brother might say.