Bigmore Mortgages & Protections

06/01/2026

There has been plenty of conversation around the proposed increase in tax for properties valued at over £2m. Yet not enough people are talking about the potential solutions to address those with concerns around the ‘Mansion Tax.’

One of those solutions could be Equity Release with a Lifetime Mortgage.

To learn more about what this is and how it might help, read our latest Insight via the link in our bio.

Equity Release is a very specific product which might not be suitable for everyone so it’s important that you seek professional advice. Contact the team at Bigmores for guidance on your personal circumstances.

With council tax rates going up for properties over £2m, could equity release be the answer to this supposed mansion tax?

14/10/2025

Should You Get Life Cover When You're Young?

Life cover is often seen as something that only matters for those of a certain age. Yet getting life cover when you are younger can have significant benefits, and provide a level of security in case the worst were to happen.

If you're not sure how life cover works, what it might cost and why getting it when your younger is a smart move, check out our latest article via the link below.

Cost, coverage and health are all things that factor into the answer for the questions why should you get life cover when you're young.

05/08/2025

We've seen an increase in enquiries for Offset Mortgages. Though they are not the right product for everyone, under the right circumstances they can offer a significant amount of savings.

Not just in terms of mortgage repayments but potentially on certain tax liabilities.

If you think an offset mortgage might be the right product for you, it's important you speak with a qualified mortgage advisor before making the decision.

Working with a team such as Bigmore Mortgages & Protections will give you peace of mind and a sense of security that whatever decision you make is the best one for you. Our bespoke service and passion for helping our clients achieve their goals sets us apart from others in our field.

Find out first hand why Bigmores is the best in the business. Book a free meeting with our team today.

20/05/2025

What do you pay to insure?
Your car? Your phone? The contents of your home?

Think for a minute about what would happen if you suddenly found yourself injured or ill to the extent that you are unable to work for a lengthy period. How would you pay the insurance for those items? How would you pay any of your bills?

This is where Income Protection can help.

Income Protection provides a level of security that can help cover some of your finances in the event of illness or injury. The amount, time frame and deferment period will all depend on the policy you are eligible for so it’s important to seek professional advice when looking into Income Protection.

To be certain you are speaking with a professional who has your best interest at heart when making recommendations, get in touch with the team and Bigmore Mortgages & Protection.

22/04/2025

Is Buy-to-Let Property the Answer to Trump's Trade War?
This is the question Bigmore Associates CEO and Chartered Financial Planner Adam Nettleship poses in our latest Insight.

While investing in the property market has been viewed quite negatively as of late, this type of investment might still align with your long term goals. To understand why, give Adam's article a read.

After that if you are interested in investigating the buy-to-let market further, book a free, no obligation, initial meeting with a member of our team. With our client first ethos you can be certain that the advice we give will be what is best for you and your circumstances.

Is buy-to-let property the investors answer to Trump's Trade War? Adam Nettleship, CEO of Bigmore Associates, weights in on the subject.

02/01/2025

Happy New Year to all our current and soon to be clients!

To mark the start of 2025, Bigmore Mortgages & Protections is celebrating Fee Free January.

For any appointment made during the month of January, and by mentioning Fee Free January at the time of booking, you will benefit from zero fees on any service offered by our team. Whether you need a mortgage or a protection product, there will be no charge on our services to find the best option for you.

Get in touch with our team and book your appointment today!

[email protected]
01932 253939

13/11/2024

STAMP DUTY CHANGES COMING IN MARCH 2025

What is stamp duty?
Stamp Duty Land Tax, more commonly known as SDLT or simply ‘stamp duty’ is a tax paid when you are buying a property in England and Northern Ireland.

WHAT'S CHANGING?
From 31st March 2025, the nil-rate threshold for all buyers will drop from £250,000 to £125,000. For first-time buyers, the threshold will decrease from £425,000 to £300,000, and the maximum property price eligible for first-time buyer relief will drop from £625,000 to £500,000.

Stamp Duty Rates from 31st March 2025:
(Excludes first-time buyers)
• Up to £125,000: 0%
• £125,001 to £250,000: 2%
• £250,001 to £925,000: 5%
• £925,001 to £1.5 million: 10%
• Over £1.5 million: 12%

I'M A FIRST-TIME BUYER, WHAT DO THE NEW RULES MEAN FOR ME?
In short, the new rules mean that first-time buyers buying a property over £300,000 will have to pay stamp duty after 31st March 2025. Currently, it’s only first-time buyers buying a property over £425,000 who must pay it. If the property is under £300,000, you will still not have to pay any stamp duty as a first-time buyer.

HOW TO AVOID HIGHER SDLT COST?
To benefit from the current stamp duty rates, you need to complete your property purchase by 31st March 2025. Given that the average time to complete a house purchase is 12 to 16 weeks, you should aim to start the process by the end of 2024.
These changes could add thousands to your home-buying costs, so acting early is crucial if you want to take advantage of the current rates.
Whether you are a first-time buyer, remortgaging, moving home or even a landlord, our mortgage team is here to help you.

08/10/2024

As a first time home buyer you are likely feeling both excited and stressed about the process ahead. Being prepared with your finances, paperwork and understanding of the process can help to alleviate some of that stress.

To help you with this, the team at Bigmore Mortgages and Protection has put together A Guide to Homeownership for First Time Buyers. It is designed to give first time buyers the information they need to navigate their first steps onto the property ladder.

If you are looking at purchasing your first home and would like some guidance on which mortgages are suitable for you, Bigmore Mortgages and Protections is here to help.

https://www.bigmoreassociates.com/a-guide-to-homeownership-for-first-time-buyers/

A guide to homeownership for first time buyers. From the process to budgeting to the available help to buy schemes.

26/09/2024

Nationwide have become the first major high street lender to offer First Time Buyers 6x their income !

First major lender to offer first-time buyers ability to borrow six times income up to 95% Loan-to-Value Enables couple earning £50k to borrow £300k towards first home – c£75k more than standard lending Nationwide becomes first big lender to offer sub-5% rate at 95% LTV for first-time buyers as...