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Buy to Let Mortgages – Best of Both Worlds

The Good News is that after the turmoil of 2023, 2024 has brought a much-needed reduction in mortgage rates, from most lenders.
Starting with Kensington and Halifax, on the first working day of the year and followed by a multiple of others

Struggling To Get a Mortgage – Maybe We Can Help

The mortgage market has been through a tough time in recent months, following 14 months of consecutive base rate increases. Mortgage interest rates increased, buyers who were used to very low rates, were hesitant to move and sellers were reluctant to s…

Increased demand has resulted in much improve choice of Ltd co Buy to Let options

As often discussed on Property118, owning rental properties through a limited company offers full tax relief on finance costs such as mortgage interest and mortgage arrangement fees, access to potentially lower tax rates and flexibility for planning, i…

Act Now – A volatile mortgage market needs a good broker

On Wednesday 24 May, inflation was announced at 8.7% short of the 8.2% predicted level and a gaping gap from the target of 2%. Core inflation (inflation minus food and energy) increased from 6.2% to 6.8%. Food inflation is currently running at 19.1%

We are all facing the prospect of rising mortgage rates

Just over a year ago, the Bank Base rate was 0.1%. Since then, there have been 9 consecutive increases with the rate now at 3.5%.
It is predicted that the rate will increase by a further 0.5% this coming Thursday

The Mortgage Market Maze

To fix your mortgage rate or not. That is THE question of 2022, a year of uncertainty in the mortgage market.
Over the past 12 months the Bank Rate has increased 8 times, from 0.1% in November 2021 to 3.0% a year later
The post The Mortgage Market Maze…

The Mortgage Market Maze

To fix your mortgage rate or not. That is THE question of 2022, a year of uncertainty in the mortgage market.
Over the past 12 months the Bank Rate has increased 8 times, from 0.1% in November 2021 to 3.0% a year later
The post The Mortgage Market Maze…

Time to Re-Mortgage – Act Now

It’s just over a week since the Chancellor, Kwasi Kwarteng, presented his tax-cutting mini-budget, that kick-started a crisis of confidence in the markets. The tax cuts triggered a drop in the pound to a record low. The SWAP rates, the mechanism that l…

Refurbishment Buy to Let – A solution to EPC requirements

The proposed new Energy Performance Certificate (EPC) regulations will mean that from 2025, landlords cannot rent their property on a new tenancy without an EPC rating of C or above. It is proposed that the penalty for not having a valid EPC

New Specialist Buy-to-Let Lender

A New Specialist Lender has entered the BTL mortgage market called Quantum Mortgages.
With so many of the current lenders declining mortgage applications for properties that don’t fit their tick-box approach, it is refreshing to be working with human u…

Over-55’s turn their homes into cash as costs are driven down

Low interest rates for equity release mortgages, coupled with rising house prices, have made it much more cost-effective for over-55s to release funds from their properties.
Many over 55s, who were going to downsize in order to release equity in their …

Act Now before rates rise – Don’t delay

The Bank of England Base Rate is currently at an all-time low at 0.1% and this has led to mortgage rates being at all-time lows. Interest rates change over time, just over 30 years ago the Base Rate was 14.88%
The post Act Now before rates rise – Don’t…

Buy to Let Limited company criteria

When setting up a Special Purpose Vehicle (SPV) for your Buy to Lets it is important to use the appropriate SIC Code. (A SIC code is a five-digit Standard Industrial Classification code. There are more than 600 individual SIC codes in the UK)
The follo…

How To Get a Bigger Loan on Low Yielding Rental Properties

If a landlord wants to raise maximum finance on a property with a very low rental yield, the mortgage amount might well be restricted based on rental income. However, with “Top-Slicing” this needn’t be the case.
Why would a landlord w…

A Smart Way To Pay For Tax and National Insurance Increases

To ease the pressure on the NHS the Government is increasing National Insurance by 1.25%, which means that your contribution will actually increase by more than 10%. But how will you find the funds to pay for this?
Recent research shows that more than …

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01603 741900
info@gracecharlesinvestments.com