Financial Advice

demise of a mortgagor

How Lenders deal with the demise of a Mortgagor


Make 2015 the year that you no longer take known risks without first taking full consideration of the pros and cons, and by making sure that you’re implementing the appropriate upfront actions. In particular, as we move into a New Year, why would you choose to leave problems for your beneficiaries and families which can… Read more

Stamp Duty Calculator

Stamp Duty Calculator


Whilst the rest of the media have been reporting on the pros & cons of Chancellor George Osbourne’s Stamp Duty Land Tax reforms, here at Property118 we have been busy producing a calculator which makes it very easy to work out how much stamp duty you will need to pay. Why not test it for… Read more

trust fees

Trust Fees – fact or fiction?


“I liked the idea of setting up a family trust because clearly it’s a much more robust solution than relying on a Will. But then a friend told me how much they pay in annual fees for their family trust, and I was horrified” “What annual fees?” was my response. “Trustee fees for maintaining the… Read more

BTL Joint Venture Funding For New Purchases Has Arrived

Innovative New BTL Mortgage Product


85% LTV, low rates and fees AND positive cashflow on new BTL purchases? Yes it’s true, and it’s available NOW! The eagerly awaited collaboration between a market leading BTL mortgage provider and the UK’s only provider of BTL equity finance has now been launched – AT LAST!!! The resultant product allows landlords to purchase properties… Read more


Recheck your PPI complaint


2.5 million Payment Protection Insurance (PPI) complaints made between 2012 and 2013 are going to be reviewed by firms after the Financial Conduct Authority FCA has forced them to improve their procedures It is believed that complaints during this period may have been unfairly rejected or compensation paid too little. 70% of complaints taken to… Read more


Don’t end up giving it away – Another IHT thought provoker


How about an instant reduction in your IHT bill – no seven year wait? This will particularly appeal to BTL landlords who have most of their cash tied up in a property portfolio. Some readers will have heard of Discounted Gift Trusts (DGT) wherein you invested your cash into an Investment Bond and this would… Read more


Parents assisted mortgages


There comes a time for all parents to think “When are they going to leave home?” There also comes a time when all offspring think “When could I leave home?” and “Will bank of mum and dad help me?” The obvious answer for the Buy to Let Portfolio owner is “I’ll buy them a property… Read more


Don’t end up giving it all away – CGT and IHT thought provokers


The following ideas are just that, and should not be taken as advice. In most cases to determine suitability and an appropriate methodology an enquirer will need to provide a full background information and where necessary a “property history”. It is amazing what can still be done within HMRC rules. 2nd property? – Eliminate up… Read more

The NISA way to invest into buy to let

The NISA way to invest into buy to let


The 2014 Budget saw a package of measures announced to help savers trying to build a nest egg. One of the most significant changes was the introduction of the new ISA (NISA) which comes into effect on Tuesday 1st July 2014. This will see ISA allowances both increase to £15,000 and become investable in any… Read more

Mark Edwards - Residential Property Landlord and Finance Broker

Buy to let, no minimum income


You may well be forgiven for thinking that the current climate has been quite tough for obtaining finance.  The Financial Conduct Authority’s (FCA) recent implementation of the Mortgage Market Review, which put new restrictions on lending, has now been quickly followed by talk of the Bank of England looking to raise interest rates sooner rather than… Read more

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