Julie McGee Independent Financial Advice

15/09/2025

So 3 properties downvalued this week and its only Monday. One 30K down valuation and another £40K. I have heard that in the budget she may link HMRC to banks and if anyone earns more than the threshold in interest without paying tax they will get an automatic deduction from their pay. £500 interest for higher rate tax payers and £1000 for others. I think maybe the bank are worried people may draw out their savings and invest elsewhere which could lead to another Northern Rock disaster. Maybe they are not so keen lending and want to keep a high reserve till after the budget. I could be wrong but really. A woman who worked in customer services in a bank with no qualifications running the budget. I am so worried if there is another property price crash and the rate go up again !! A few lenders putting rates up again this week too. Both down valuations were from halifax and lloyds. The bbc saying house prices are up... I don't trust anything I see from BBC and have stopped watching to be honest. Anyone wanting to remortgage or product transfer PM me as its time to do it now before this budget I fear !

04/09/2025

5 year fixed rates 3.81 available for product transfer with Halifax or remortgage. Please message me.

04/09/2025

Re the Raynor tax evasion. I can only guess it's the Type of Trust they used - and 'they'* (i.e. who ever lives in the property sold to the Trust) doesn't pay Market level of Rent into the Trust - and so it's a Gift With Reservation (and can only guess again, that does affect Stamp Duty).

- that would appear to be a failure of the Original Solictor (unless the broker was stupid enough to state it!).



What is perhaps more of a concern (noting my first comment) is this isn't the first time Angela Rayner has been in the news over dodging Tax - it was alleged she changed her primary residency to avoid paying CGT on a property they bought and sold (the issues being IIRC she said she was living elsewhere for Constituency/House Of Parliament requirements - and so there was other relevant issues???)

But, I have to say, even if legally she has done nothing wrong (and last week that appeared to be correct) - but with todays announcement, it appears she did break the law - so at best her Ethics are zero - and at worst she broke the law, even if she claims the 'advice was wrong* - I think she does need to resign - the ongoing damage to her and the government has to be terminal? Also what what the payout she had from NHS for the son he had at 16. Premature and said the nhs didnt give her property treatment. Then she used £160K of the compensation for her flat. What a mess she is in. He should deffo sack her.

* - Personal responsibility for decisions!

04/03/2025

Loads of wild garlic again peth lane. Apparently leaves more full of benefits than bulb. Picked some yesterday for my breakfast in mushroom omelette really nice.

04/03/2025

One year trading only one years tax return good rate available high street lender. Message me or check my reviews on google and go on my website. Google Julie McGee mortgages Ryton. Website

Independent mortgage advice and insurance broker, based in Newcastle Upon Tyne. Helping clients find the best mortgage deals for over 25 years!

25/02/2025

Self employed one years figures. 90% mortgages available at good rates with high st lender. Adverse credit no problem up to 85% with high st lender good rates. Rates from 3.99 fixed with clean credit history. Check my reviews out on google Julie McGee mortgages Ryton. Or here’s my website.

Independent mortgage advice and insurance broker, based in Newcastle Upon Tyne. Helping clients find the best mortgage deals for over 25 years!

28/03/2023

AT LAST SOMETHING FOR OUR BRAVE HEROS !!!The Scheme is open to serving members of the armed forces and lets them borrow up to 50% of their annual salary - up to £25,000 - interest-free, to put towards a residential purchase. The loan is repaid in equal instalments over a 10 year period - deducted from their salary with a small insurance premium. PM ME FOR DETAILS

24/03/2023

If anyone wants a good 5 year fixed remortage or new purchase I can secure 4.29% fixed for 5 years, no fees and £500 cashback now. Even if you havent found a house yet, I can reserve the product now. It will be going up next week. Just ring me on 07702188515 or whatsapp me

12/01/2023

Rates are decreasing. 4.5% fixed 5 yrs in a remortgage or purchase £1000 cashback. Message me on

Independent mortgage advice and insurance broker, based in Newcastle Upon Tyne. Helping clients find the best mortgage deals for over 25 years!