Real Mortgage Advice

24/09/2021

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19/09/2021

🏡💰 The Stamp Duty holiday is soon coming to an end...💰🏡

But how does that affect first time buyers??

You'll be pleased to know that first time buyers will still benefit from an exemption of stamp duty land tax on property values up to £300k. They will then pay a further 5% on the amount above £300k up to £925k.

Example;

If you buy a house that costs £380,000 as a first time buyer, your stamp duty land tax cost will be...

SDLT on first £300k. £0.00 (free)
SDLT on next £80k @ 5% £4,000

So a total cost of £4,000 in stamp duty land tax to buy a £380k home. This is a discount of £5,000 on the standard uk governmemt rates.

This is just one of the ways in which first time buyers are offered a helping hand. 🏡

15/09/2021

⛳️Great day out supporting the wonderful 'SAVE THE CHILDREN' charity at Old Thorns Golf Club. Lots of fun had and lots of money made so an all round success ⛳️ 😊

13/09/2021

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Helping people find the right financial solution for their needs, be it moving home, refinancing, mortgages, protecting your family, or looking for peace of mind.

08/09/2021

🏡 Some useful tips for buying a house 🏡

- If you are a cash buyer, chain free or have a mortgage agreed then tell the agent. in todays fast moving market you need to make yourself stand out and these things are very attractive to sellers.

- The agent is not your friend! They are an agent for the SELLER only. Keep your cards close to your chest and do not tell them the maximum you're willing to pay, they will always relay this to the seller who will wait for that offer and it will also increase the estate agents commission.

- During your viewing, try to discover the sellers situation. Are they part of a chain that has fallen through? Is the sale part of a divorce? These things can lead to a quick sale and a better deal for you.

- ALWAYS get a mortgage agreed in principle as a minimum before you start shopping. It will tell you your exact budget you have to spend which will potentially save a lot of wasted time and disappointment further down the line.

02/09/2021

Helping people find the right mortgage is hugely rewarding. Turns out In more ways than one. I love happy customers! 😍