A house is only ever worth what someone is prepared to pay.

Posted by & filed under Estate Agents, First Time Buyer, House Hunting, Mortgage, Moving Experience, Property Purchase, Property Search, Uncategorized.

Following a recent meeting with some first time buyer clients, who are currently looking for a property, i received an e-mail from them. As I composed my reply, i thought that maybe my thoughts might be worth sharing with a wider audience. Here’s a slightly edited version of my reply, which obviously has names removed…. Read more »

What’s in a number?

Posted by & filed under Estate Agents, Family Protection, Finance, First Time Buyer, House Hunting, Housing, Lifestyle, Mortgage, Moving Experience, News Round, Property Purchase, Property Search.

Quite a lot, it would seem, if that number’s your postcode. I can tell you from experience that it’s not just an urban myth that families will move lock, stock and kitchen table in order to give their children access to the best schools. It was reported in The Scotsman that a recent study by… Read more »

Attacking the goldfish, and feeding the sharks?

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Housing, Lifestyle, Mortgage, Moving Experience, News Round, Politics, Property Purchase, Property Search.

With approximately six weeks remaining until the implementation of the higher stamp duty rates for second properties, we take a look at the potentially wide reaching implications that these changes could bring. No one knows what the impact of changes will be, but we’ll take a look at some scenarios that could play out…. From… Read more »

Bristol is a hot place to be in 2016…

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Housing, Lifestyle, Mortgage, Moving Experience, Property Purchase, Property Search.

…Even if it didn’t feel that way on my journey to work today. According to our local daily paper, The Bristol Post, this city has been decreed a hot place to buy for investors in 2016, up there with Marbella and St Ives in Cornwall apparently. But is that a good thing? The story originated… Read more »

The Help to Buy ISA – Is it the pot of gold at the end of the rainbow?

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Housing, Mortgage, Moving Experience, Politics, Property Purchase, Property Search.

The 1st of December is usually all about the Advent Calendar, and thinking of getting decorations down from the loft, but this year it is also notable as the date that the Government’s Help to Buy ISA scheme came into effect. First time buyers can, from today, start opening accounts that will allow them to save… Read more »

Buy or Rent? That is the question…

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Mortgage, Moving Experience, Property Purchase, Property Search.

Is it better to buy or to rent? This is a question that I have been asked on numerous occasions, and a decision that’s being faced by increasing numbers of people. There are advantages that can be argued for both options. For example, as a tenant: No maintenance costs to worry about Greater flexibility –… Read more »

Mortgage Hunting – Who do you talk to? What do you need to know? How do you find advice?

Posted by & filed under Estate Agents, Finance, First Time Buyer, Mortgage, Property Purchase.

It was reported earlier this week1 that The Financial Conduct Authority (FCA) has fined The Royal Bank of Scotland and NatWest £14,474,600 for serious failings in their advised mortgage sales business. This amount includes a 30% discount for an ‘early stage settlement’, otherwise the fine could have been in excess of £20,000,000. This article got… Read more »

Your Mortgage Checklist

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Mortgage, Moving Experience, Property Purchase, Property Search.

There is so much to consider when you are looking to buy a property and here is the Moving Experience checklist to help you through the process. It’s always best to seek expert advice first We offer an holistic view that will enable you to compare lenders, access hundreds of products including exclusives (not available directly)…. Read more »

What Will The Next Six Months Bring?

Posted by & filed under Estate Agents, First Time Buyer, House Hunting, Mortgage, Moving Experience, Property Purchase, Property Search.

The Mortgage Market Review The biggest news story of the last few months has to be the Mortgage Market Review, implemented on 26th April. This is the biggest change in regulation for many years. Firstly we must clarify which mortgages are affected. The MMR changes are all about protecting customers using their own home as security for the… Read more »

Prepare for a Moving Experience – Points to ponder

Posted by & filed under Estate Agents, Finance, First Time Buyer, House Hunting, Mortgage, Property Purchase, Property Search.

If you’re thinking of purchasing a property, as a first time buyer, or if you’ve bought before, when preparing for moving house there’s quite a bit to think about. What will help is to approach the process in a step by step and logical manner. Before you do anything else, I’d suggest speaking to an independent… Read more »