Every now and again somebody will say something to you, possibly as a passing comment that will really stick. That comment may even become your very own ‘Sliding Doors moment’, something that you refer back to, and a memory that impacts considerably upon decisions in the future. This is the story of one of mine…. Read more »
Posts Categorized: First Time Buyer
A house is only ever worth what someone is prepared to pay.
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 »
So this is Christmas, And what have you done ..?
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?
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?
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.
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 »
So What Happens Now??
Today I’ve received several communications from clients who, following the EU Referendum last week, are asking the question ‘What Happens Now?’ Within that broader question, there are smaller details to consider … Will the number of mortgage products available reduce, will the Bank of England need to raise interest rates, will the value of houses… Read more »
Attacking the goldfish, and feeding the sharks?
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…
…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?
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 »
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