Financial Advice

2016 saw the highest pension fund returns since 2009


New data from the upcoming Moneyfacts Personal Pension and Annuity Trends Treasury Report has revealed that last year pension funds enjoyed their highest returns since 2009. Despite considerable economic and political uncertainty during 2016, the average pension fund finished the year up by 15.7%. This is the fifth consecutive year of positive pension fund growth… Read more

Evolution of Bridging Finance


Pre-credit crunch, bridging finance was often referred to as lending of last resort. However, this perception has changed dramatically since then and particularly in the last couple of years and is now considered to be part of main stream finance. The causes of the credit crunch have been well documented. One of the major causes… Read more

2015 Finance Bill Receives Royal Assent


18th November 2015 may well be marked in history as the beginning of the end for most private buy-to-let landlords.  Restrictions on the amount of financing costs which can be deducted by individuals, partnerships, trusts and personal representatives when calculating their income from a property business are included in the Act (s 24). The amount of… Read more

Avoiding Restrictions on Finance Cost Relief for Landlords


  GENERAL GUIDANCE  If you have been retaining profits after paying the higher rates of income tax then you have probably been paying more tax than necessary. IS TAX AVOIDANCE LEGAL? The law regarding tax avoidance was clarified nearly 80 years ago. In 1936 a landmark legal case was heard in the House of Lords… Read more

Getting finance for HMOs


I’m looking to get into HMOs for the professional market in Birmingham area. I have circa 200k cash which is enough for me to buy at least 1 (fairly) high end HMO cash, which I will try to refinance in 6-12 months. The goal being to have 4 hmo’s, with about 50k of my own… Read more

Estate Planning – What really matters to you?


One in three of us don’t have a Will. That’s a surprising statistic when you consider the implications on those that we love. Not having a Will means that your next of kin will be faced with additional responsibilities after your death – the responsibility of obtaining the legal right to your estate, of deciding… Read more

Why is “Whole of Market” so important


It can be tempting to cut out the middle man when searching for a new mortgage, and people may even think they can save money doing so, but there are other considerations to take into account. An important thing to understand is that when you receive whole of the market mortgage advice, your mortgage broker… Read more

HD consultants

HD Consultants Get Business MoneyFacts Award Recognition


Property118 IFA partners HD Consultants won a podium finish in their first venture out to the Business MoneyFacts awards held last night. Howard Reuben, the Principal of HD Consultants, and his team won 3rd place “Commended” Buy To Let Mortgage Broker of the Year 2015. Howard said “recent trade press report there are about 16,000… Read more

Collaborative Divorce for Landlords


Around 20% of my Consultancy clients come to me for advice about divorce. Perhaps unusually, every divorce case I have assisted clients with so far has been an amicable split. Maybe that is due to the fact that landlords are more worldly wise than to run up bills of £1,000’s over who takes custody of… Read more

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


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