Mortgages & Money

Bank of Mum & Dad

The family mortgage taking the pressure off the bank of mum and dad

rate increase

Are 40-year term mortgages a good choice for borrowers?

NHS nurses, police officers and other public sector heroes get specialist mortgage range

Joint mortgages

Getting a joint mortgage with friends

Tax property investors

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Tax breaks vs higher mortgage rates for limited company buy-to-let landlords

Everything you need to know about property management & mortgages – New Podcast

‘No DSS’ restrictions have no place in the modern housing market

euro property

Borrowers tempted away from two-year fixes by falling five-year rates

British mortgage lending rates reach lowest rates ever

New mortgages launched for landlords attracted to higher yield HMOs

Mio launches new sales progression tool nationwide

Mio launches new sales progression tool nationwide

Limited company mortgages at all-time high in buy-to-let market

Hybrid mortgages – a viable alternative?

UK housing market UK rents

Buy-to-let landlords cash in on house price gains

Are interest-only mortgages making a comeback?

Are interest-only mortgages making a comeback?

house prices

Borrowers with fixed-terms ending in 2019 expected to avoid SVR

Mortgage rates HMO

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UK Housing Market

‘Older’ buy-to-let borrowers benefit from maximum age and term increases

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For sale sell house

UK Government announces sale of 66,000 mortgages

Private Landlords turn to Agencies to Retain Profit

Rate cuts, cashback and zero fees for buy-to-let landlords

Mortgage rates HMO

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Steady buy-to-let mortgage costs reassure investors

buyers sellers

No go for Government’s ‘reservation agreement’ similar to Home Information Packs.

buy-to-let mortgage

Do’s and Don’ts When Applying for a Buy-to-let Mortgage

London

Mortgage affordability remains stable outside London

Could new CGT rules offer investment opportunities for buy-to-let landlords?

Could new CGT rules offer investment opportunities for buy-to-let landlords?

property market budget

Government urged to review tax relief incentives for landlords

Thousands of mortgage prisoners could be ‘saved’ by FCA proposals

Thousands of mortgage prisoners could be ‘saved’ by FCA proposals

HMRC tax

Could tax tribunal ruling highlight buy-to-let stamp duty surcharge exemption?

New-build

First-time buyer boost as Nationwide and CreditLadder join forces

Tax property investors

<img width="768" height="459" src="https://www.buyassociationgroup.com/en-us/wp-content/uploads/sites/8/2017/10/Tax-768x459.jpg" alt="Tax property investors">

What’s in store for buy-to-let landlords in the next tax year?

Self-certified Sophisticated Investor

Please read

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

Please read

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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