From Formula 1 to formula, and sports car to caravan.

Posted by & filed under Family Income Benefit, Family Protection, House Hunting, Lifestyle, Mortgage, Property Purchase, Uncategorized.

There are some moments and milestones in life that give cause for reflection, and recently two of those seem to have converged. It seems like only yesterday that my first son arrived, but in September he’ll be starting school!! I remember starting the business like it was only last week, yet in reality next month… Read more »

So this is Christmas, And what have you done ..?

Posted by & filed under Brexit, Family Income Benefit, Family Protection, Finance, First Time Buyer, Income Protection, Life Insurance, Lifestyle, Mortgage, Moving Experience, News Round, Property Purchase, Property Search.

The mince pies have been purchased, classic Christmas movies are running on the TV, and whilst Santa’s elves find the time to wrap all the presents I’m wondering where all the time went! It has been busy year, including a baby, a Brexit, and a bon voyage! The Bank of England decided in August to… Read more »

Rainbows amongst the autumn clouds?

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

You could be forgiven for thinking that current housing market news is all about Brexit, and the possible impact of the referendum result in the short to medium term. However, there’s other interesting news of which (I think) you should take note. Help To Buy – Less than three months and counting. At the start… 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 »

Balloons may rise, base rates may fall.

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

You probably saw that Mark Carney, the Governor of the Bank of England, announced a reduction of UK base rate to an all-time low of 0.25% last week. This cut was the first change to base rate since March 2009. In this blog we take a look at how the mortgage / housing industry has… 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 »

Black Friday – If you buy now will you REALLY pay later?!

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

The UK seems to be being swept up in a whirl of anticipation and Black Friday mania. If you think back three years, the vast majority of the population had never heard of the US post-Thanksgiving sale (roughly their equivalent to a Boxing Day sale) but now it’s being mentioned whenever you turn on the… Read more »

Shared ownership – Always makes buying a property more affordable, doesn’t it??

Posted by & filed under First Time Buyer, Mortgage, Moving Experience, Property Purchase.

We’ve recently been helping a couple of clients buy their first home under the shared ownership schemes that are available. Whilst working with these, and previous clients, a few interesting points have arisen that I thought that it might be worth sharing. If you’re not familiar with shared ownership, it’s an affordable housing scheme that’s… Read more »