Help To Buy Scheme - the small print

In amongst the headlines of last months budget was a revision to the current Help to Buy Equity Loan scheme, which is due to expire in March 2021. At present the scheme is available to all house buyers, who wish to purchase a brand new property from a developer whose properties qualify, allowing the buyer to achieve an equity loan of up to 20% of the purchase price. Whilst aimed predominantly at the first time buyer market, 18% of all loans have gone to non-first time buyers, allowing those even with significant earnings to take advantage of the scheme. With effect from April 2021, the scheme will be restricted to purely first time buyers and have regional caps on the value of the property y

Black Friday – Day One of Chemo

Since my last blog I have done a lot of waiting – but today was the day my chemotherapy treatment started (so please forgive me if what I am writing is nonsensical!). I last wrote after a sample of my tumour had been sent off to America for Oncotype dx testing, or so I thought. When I attended my results appointment on the 23rd October I was expecting to find out what lay in store for me over the next 6 months – we had delegated the school runs and dispatched the children, battled the rush hour traffic and (just about) made it to Taunton for my 9am appointment. Progressing through the various waiting rooms, and finally in to the meeting room, we had built ourselves up to receive the long awa

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