December 18, 2018

Nobody likes paying tax and by the same token, if you can reduce the amount of tax you can pay by legitimate means that should be considered. However, at times it is worth taking a step back and considering the consequences on other aspects of your finances before comm...

November 27, 2018

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 pr...

October 19, 2018

Ever since a disastrous period for early unregulated schemes in the late 1980s and early 1990s, equity release has continually suffered from suspicion and distrust among homeowners. Many have been scared away as a result of publicity surrounding losses and anguish suff...

January 15, 2018

This weekend saw the launch of the ‘Open Banking’, a term not many of us will have come across before. Open Banking requires banks to share information about our financial records with authorised 3rd parties with the aim of allowing us greater freedom and flexibility i...

April 21, 2017

The word ‘ignorance’ has been prevalent in recent days to describe the lack of appreciation of the consequences of our actions. Be it the treatment of the true meaning of Easter by The National Trust and Tesco’s; or the failure to apply basic human decency to a passeng...

September 6, 2016

Client A currently owns a healthy buy to let portfolio with a large amount of equity and good net income made each year. He is selling his existing main residence for £500,000 and buying a new one at £1million.

Client B is stuck with a buy to let property in negative eq...

August 17, 2016

Jack & Jill wanted to buy their first home together, but Jill was finishing her studies at University and didn’t yet have any income. So they decided to make use of the Help to Buy equity loan scheme which, along with some help from Jack’s parents, would allow them to...

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