Mortgages & Money

Mortgage borrowers spoilt for choice as product numbers climb

Mortgage borrowers spoilt for choice as product numbers climb

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New buy-to-let mortgage products could boost retirement income

Legal contract

Homebuyers could save thousands if they understood the jargon…

Record choice of mortgages available for first-time landlords

Record choice of mortgages available for first-time landlords

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Lenders explore new ways to attract customers with low tracker rate

Which mortgage: Consumer buy-to-let or buy-to-let for accidental landlords

Which mortgage: Consumer buy-to-let or buy-to-let for accidental landlords

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UK Housing Market

Seeking immunity from rate rises? Try long-term fixed-rate mortgages

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Good news for first-time buyers as rates fall for 95% LTV mortgages

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Could you have overpaid on your stamp duty bill?

Buy-to-let borrowers receive boost from Nationwide

Buy-to-let borrowers receive boost from Nationwide

Profit buy-to-let

Significant reduction in the number of interest-only mortgages

Mortgage

<img width="768" height="512" src="https://www.buyassociationgroup.com/en-hk/wp-content/uploads/sites/6/2018/04/Mortgage-form-768x512.jpg" alt="Mortgage">

Borrowers failing to secure a new deal before current deal ends pay more

Mortgage rates HMO

<img width="593" height="332" src="https://www.buyassociationgroup.com/en-hk/wp-content/uploads/sites/6/2016/02/mortgage.jpg" alt="Mortgage rates HMO">

Buy-to-let product range expands as lenders compete

Lenders increase cashback deals to attract first-time-buyers

Lenders increase cashback deals to attract first-time-buyers

Soaring number of accidental landlords could now begin to fall

Soaring number of accidental landlords could now begin to fall

Self-certified Sophisticated Investor

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I declare that I am a self-certified sophisticated investor for the purposes of the restriction on promotion of non-mainstream pooled investments. I understand that this means:

I can receive promotional communications made by a person who is authorised by the Financial Conduct Authority which relate to investment activity in non-mainstream pooled investments;
the investments to which the promotions will relate may expose me to a significant risk of losing all of the property invested.

I am a self-certified sophisticated investor because at least one of the following applies:

(a) I am a member of a network or syndicate of business angels and have been so for at least the last six months prior to the date below;
(b)I have made more than one investment in an unlisted company in the two years prior to the date below;
(c) I am working, or have worked in the two years prior to the date below, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises;
(d) I am currently, or have been in the two years prior to the date below, a director of a company with an annual turnover of at least £1 million.

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me seek advice from someone who specialises in advising on non-mainstream pooled investments.

High Net Worth Investor

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I make this statement so that I can receive promotional communications which are exempt from the restriction on promotion of non-mainstream pooled investments. The exemption relates to certified high net worth investors and I declare that I qualify as such because at least one of the following applies to me:

I had, throughout the financial year immediately preceding the date below, an annual income to the value of £100,000 or more. Annual income for these purposes does not include money withdrawn from my pension savings (except where the withdrawals are used directly for income in retirement).
I held, throughout the financial year immediately preceding the date below, net assets to the value of £250,000 or more. Net assets for these purposes do not include:
- (a) the property which is my primary residence or any money raised through a loan secured on that property; or
- (b) any rights of mine under a qualifying contract of insurance; or
- (c) any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be, entitled; or
- (d) any withdrawals from my pension savings (except where the withdrawals are used directly for income in retirement).
I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on non-mainstream pooled investments.

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