Mortgages

Finding the correct mortgage for you can be a difficult process so seeking unbiased mortgage advice is often the easiest way to understand the options.

We offer whole of market, straight forward, friendly advice.

Mortgages

Finding the correct mortgage for you can be a difficult process so seeking unbiased mortgage advice is often the easiest way to understand the options.

We offer whole of market, straight forward, friendly advice. Click here to get in touch.

Equity release

If you’re over 55 and thinking about releasing some of the equity in your home or perhaps you have questions about how this works or how safely you can do this, then get in touch and we can help answer those questions. More information on equity release can be found here, or if you’d like to get in touch click here.

Bridging finance

Finding the best short-term finance for buying a property before your longer-term funding comes through can be stressful. Our qualified advisers will help you find the bridging loan you need. Click here to get in touch.

Commercial lending

Whether you want to hire more staff, refurbish your office, buy some new equipment or simply boost your working capital, we are here to help you find a business loan that suits you and your business. Click here to get in touch.

Important things to think about: Stamp Duty

Please note: Land and Buildings Transaction Tax (LBTT) rates in Scotland are different to the Stamp Duty Land Tax (SDLT) rates in England and Northern Ireland. From April 2018 Land Transaction Tax (LTT) has replaced SDLT in Wales. LTT rates are different to SDLT and LBTT rates.

England and Northern Ireland

Stamp Duty Land Tax (SDLT) is a tax on properties bought in England and Northern Ireland. You’ll need to pay it when you buy a residential property that costs more than £125,000. Clicking on the button below will take you to the Money Advice Services calculator to work out how much Stamp Duty you’ll need to pay on your new home. You can also use it to work out how much you’ll pay on an additional property that costs more than £40,000, like a buy to let or second home, which attracts an extra 3% charge.

Visit the Stamp Duty calculator

Scotland

Land and Buildings Transaction Tax (LBTT) has replaced Stamp Duty in Scotland. If you’re buying a residential property over £145,000, you’ll have to pay LBTT. Clicking on the button below will take you to the Money Advice Services calculator where it will work out how much Land and Buildings Transaction Tax you need to pay on your new home. It also works out how much you’ll pay on any additional property purchase over £40,000, like a buy to let or second home, which attracts an extra 3% Additional Dwelling Supplement (ADS).

Visit the LBTT calculator

Wales

Stamp Duty has been replaced by Land Transaction Tax (LTT) for properties bought in Wales. LTT will apply to residential properties costing over £180,000. Clicking on the button below will take you to the Money Advice Services calculator to find the amount of Land Transaction Tax you’ll have to pay. You can also work out the cost of LTT on any additional properties you purchase over £40,000, like buy to lets or second homes, which will be charged a 3% additional supplement.

Visit the LTT calculator

Information taken from www.moneyadviceservice.org.uk. Please note we have no affiliation with the Money Advice Service.

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

*Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority

Get in touch

Call us today on 01564 79 11 16 to discuss your needs or send us your enquiry below

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