2016

How can you currently own a buy to let and not pay Higher Stamp Duty Land Tax?

How can you currently own a buy to let and not pay Higher Stamp Duty Land Tax?

Higher Stamp Duty Land Tax – the scenario One of our clients, Mr R, owns a single property that is currently let. Mr R. will not be selling the existing property when he purchases a new home. This makes the new purchase subject to £10,500 in Higher Stamp Duty Land Tax (an extra 3% on […]

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SA302s and Tax Year Overviews | downloading from the HMRC website

SA302s and Tax Year Overviews | downloading from the HMRC website

Most Lenders now accept copies of SA302 tax returns and tax year overview downloaded from HMRC Gateway online tax return submission service. However, we find that our clients frequently have trouble navigating the HMRC website and obtaining copies of the required documents in the required format. This guide is designed to make it simple to […]

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Instructions to access your SA302 online | PDF

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Higher stamp duty flowchart

Higher stamp duty flowchart

Do you have to pay Higher Stamp Duty Land Tax? From 1st April 2016, purchasers of second properties valued at over £40,000 will be required to pay an extra 3% in stamp duty land tax. Will you come into the scope of this scheme? Use our interactive flowchart to find out. How many properties will […]

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Mortgage illustrations and the Mortgage Credit Directive

Mortgage illustrations and the Mortgage Credit Directive

From 21st of March 2016 the UK mortgage market is subject to additional legislation under the EU driven Mortgage Credit Directive (MCD). As a result of this, mortgage lenders are required to change the format of the way they illustrate mortgage products from the current ‘key features illustration’ style to the new ‘European Standardised Information […]

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Scottish Widows Bank Mortgage Product Transfer

Scottish Widows Bank Mortgage Product Transfer

If you are a Scottish Widows Bank mortgage customer seeking a Product Transfer Switch when your current deal is coming to an end, we can assist. We are specialists in working with Scottish Widows Bank, particularly in the Professionals market and can advise you on your Scottish Widows Mortgage Product Transfer and make all the […]

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Secure Upload

Secure Upload

Looking to upload documentation to us safety and securely? If so, avoid email and use our secure link below. You can use our secure link to upload electronic files of up to 2GB in size. Use your usual email when uploading to receive a receipt by email both on upload and when we download our […]

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London Help to Buy

London Help to Buy

The Government’s Help to Buy Scheme, particularly the Help to Buy Equity Loan Scheme, has been successful in helping first-time buyers get onto the property ladder. What has been less successful however, is the effect of the Help to Buy Scheme in London. London property prices, as ever, are well above the UK average and […]

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Second property Stamp Duty Changes – have your say

Second property Stamp Duty Changes – have your say

In his Autumn statement the Chancellor George Osborne announced plans to increase the Stamp Duty Land Tax by 3% on Second Homes. Perhaps you do not have a second property, perhaps you do, but do not intend to buy another – but did you know that under the draft proposals… Home movers who have another […]

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Buy to Let Mortgages and tax relief changes 2017 to 2020

Buy to Let Mortgages and tax relief changes 2017 to 2020

From April 2017 tax relief available on buy to let mortgage interest will be restricted from the current full relief on all tax bands, to maximum relief limited to the rate of basic income tax. This reduction will take place between April 2017 and April 2020. What does this mean for buy to let investors […]

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