March 6, 2024
Budget 2024 - Stamp Duty - Multiple Dwelling Relief
Today's budget announced a change to Stamp Duty Land Tax. To be clear, this applies only to England /Wales and does not affect Scotland.
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March 2, 2024
Cost of renting in Scotland increasing faster than London
Recent data from Zoopla reveals the cost of renting in the UK today, and it's not great news for Scotland. Glasgow has been hit the hardest in the UK with Edinburgh not far behind.
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March 1, 2024
Are interest only mortgages still a reasonable option?
Are interest only mortgages still available and are they a sensible option for borrowers? The media's attention to interest-only mortgages in recent years would suggest not. They are still available and may be suitable depending on borrower circumstances.
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February 26, 2024
Will my benefits count towards income for a mortgage?
A question I have received previously asks whether benefits can count towards mortgage affordability calculations. The simple answer is yes, they can; the long answer is below.
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February 15, 2024
Rejected due to credit search, lender refuses to explain why
A visitor recently had a mortgage declined due to the results of a credit search; she was confused as agencies searched showed nothing, and the lender refused to share any information.
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February 10, 2024
How to beat the mortgage affordability test!
How do you beat the mortgage affordability test? That is, if you couldn't get a mortgage by telling the truth, what are your options? Ok, let's talk about it.
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