I am so fortunate I live in a weather proof box, rather too large to heat in the winter and probably not as well insulated as it could be. This brings me onto education and school, you see what we teach our children will effect our future, maybe there will be plastic free aisles inContinue reading “Reasons to save money.”
Author Archives: IFA on fire
2018 has arrived and what has changed?
Where did the time go, the stats look good unemployment is low, interest rates are still at Historic lows. Inflation though is above the target 3% according to the Daily Mail. Life goes on, more people are at work, most don’t have enough protection to insure against, illness, unemployment etc. And yet the PPI mis-sellingContinue reading “2018 has arrived and what has changed?”
The problems people face with Interest only mortgages
More people are being forced into selling property who have interest only mortgages and no repayment method. Now I am not for a minute suggesting that you would save into a pension as a repayment method, but it is one use of funds, that may have been overlooked or even forgotten about.
Well here is a link to more information
♦ Looking to plan your pension, well here is a site with contact information of an adviser. Now he does claim to know everything but at least we can put you in the right direction.
Refurb finance for House in Multiple occupation
Funding for multi let houses is now easier to obtain than previously thought, so for purchase or money for refurbishment is available with only a £99 application fee and quick lender decisions. Not only can you refurb HMO’s but you can do commercial property and residential property too. U∩ contact via http://www.rightremortgage.co.uk
Auto-enrolment
Is now in full progress for almost all companies, yes smaller companies are being enrolled now.
Builders and Developers
I know people will tell me off but I want to hear from people who want to build in their gardens, convert their offices into flats. Anyone like that…………get in touch don’t be shy.
Buy to Let (Again)
Buy to Let, is now available with just rental cover, no income checks required other than to confirm present income covers present outgoings. Maximum loan to value is 80% subject to property valuation and credit score.
Mortgage Affordability without the stress
Interestingly we have a lender who offers great flexibility in terms of stretching lending, there is a bit of a however, you must take a long term fixed rate with them, for example somebody with clean credit will get a fixed rate of 5.29% fixed until April 2021. People with slightly chequered credit in otherContinue reading “Mortgage Affordability without the stress”
Contractor mortgages
Basically if you are self-employed the request for proof of previous years earnings has been reduced, to sometimes as little as just the last year, company directors and people working on contracts should now find it easier to apply and be accepted for house purchase finance. http://www.rightmove.co.uk Find a property and then get in touchContinue reading “Contractor mortgages”
