Blog #8 – Myth Busting

Myth 1. You don’t need to think about mortgages until you’ve found your dream property.   Sure, you won’t need to actually apply for a mortgage until you’ve had an offer on a property accepted. But you certainly need to have scoped out mortgages before then, to...

Beware of frauds & scams

Fraudsters are increasingly trying to trick home buyers, sellers and solicitors, into transferring their money into scam accounts. They hack into emails between buyers, solicitors and estate agents and create fake emails to try and persuade people to send money to...

History made for Garforth’s Open Age!

For the first time in the open age’s history the club played a double header allowing for 2 squads to have a run out on the same day (17th August 2019). Playing a reserve squad in the merit league followed on by the first team in their Div 5 league match.  ...

Blog #7 – Shared Ownership

The generational challenge of rising house prices Decades of rising house prices have stretched affordability to breaking point for thousands of prospective first-time buyers. The average house price stands at £228,000; eight times the average wage in the UK1. In the...

Personal or Ltd Company ownership of buy to let property?

There are certain benefits to taking out a buy-to-let through a limited company. We’ll explain how they differ from traditional buy-to-lets, what mortgage options you have and how to set them up, so you can make the most out of your investment. Improved Tax...

Our Help-to-Buy-Guide

The UK government launched the Help to Buy scheme in April 2013, initially to help first-time buyers and home movers get a leg-up on the property ladder. With soaring property prices and near frozen wages, many were stuck in a cycle of renting which ate away at any...

The 411 on The Tenant Fees Act

The new Tenant Fees Act is now in force in England, capping the amount renters can be charged for their deposits and banning letting fees altogether as part of the Government’s bid to reduce hidden costs for tenants. The Government expects to save tenants across...

Introducing the different types of contractor mortgages

1. Self employed contractor and sub-contractor mortgages Anyone who is registered as self-employed with HM Revenue and Customs (HMRC) and pays their own tax and National Insurance contributions is classed as self-employed, whether they declare their income through...

Why are mortgages for self-employed people more complicated?

We know that finding a mortgage can be frustrating for freelancers and self-employed professionals, but we have built our reputation on helping property buyers to find finance when their circumstances are too complex for many mortgage providers. Why are mortgages for...

Blog #6 – Costs of Buying

The cost of buying a house Make no mistake about it – buying property is expensive, however modest your new home. A mortgage is not the only expense. Before you can take possession of your house, there are extra one-off charges and fees you’ll come up...