If your Post Code is either PR, BL, WA, WN, SK, OL, M or BB click here!

Empty

Total: £0.00

Chimney Pots

So much more for so much less

Request a callback

help to buy

Word Smith's picture

Dirty Tricks. Top things house buyers hate about estate agents.

Tue, 01/14/2014 - 01:26 -- Word Smith

As if finding your dream home isn't stressful enough, it seems like there is a minefield to negotiate to get there. Here are some of the top complaints we hear that have buyers seeing red about estate agents.

1.     Estate agent refusing to pass on the bid until you have spoken to one of their financial experts. Not a lot you can do about this unless you go direct to the seller. 

Word Smith's picture

Top predictions for the housing market in 2014

Thu, 01/09/2014 - 02:46 -- Word Smith

IIt's always important to keep an eye on what the housing market is doing; hopefully, this will help you make better informed decisions about when it is best for you to buy or to sell a property. In addition, many people buy, or invest in, property for many different reasons.

Word Smith's picture

How does the Help to Buy shared equity scheme work? And the mortgage guarantee scheme? What about that?

Fri, 01/03/2014 - 21:11 -- Word Smith

If you are interested in knowing more about how the Help to Buy scheme works and are considering applying, there is some basic information you should know in order to get started. First of all, find out which house builders/developers are offering the scheme. If you are successful in your application, you can pay off the 20 per cent equity loan of the current value of your home at any time. If you still own the house after five years, you will start paying an annual fee of 1.75 per cent of the value of the equity loan. There is no interest to pay on the loan.

Word Smith's picture

What if I don't qualify for Help to Buy...and other questions you were too afraid to ask...

Fri, 01/03/2014 - 15:57 -- Word Smith
Government's Help to Buy scheme: your questions answered.

Buying your first home is about more than just bricks and mortar. A lot more. It represents a lifestyle, a home, a place to put your stake in the ground, socialise, bring up a family and relax. So should you opt to buy with the government's new Help to Buy scheme or are you better of saving yourself the stress and strain of finding that monthly mortgage repayment every month and living a more relaxed lifestyle, renting a property and have the landlord take care of all the maintenance and repairs.

Still intent on buying but been rejected by the Help to Buy scheme?

Word Smith's picture

Confused? What exactly does 'Help-to-buy' mean?

Fri, 01/03/2014 - 15:44 -- Word Smith

Help to Buy: three little words that are changing the face of the property market. Help to Buy is the Government's much vaunted scheme to put a boost in the housing market. It's actually an equity loan and a very good one at that. You won't have to pay anything back for 5 years and even then it's only at 1.75%. The scheme has now been extended to include second hand movers ie not just brand new homes and using the Help to Buy scheme is making all the difference to property owners who've felt excluded from the property market because they cannot raise the deposit required.

Word Smith's picture

Just how affordable is housing and is the Government doing enough?

Thu, 12/05/2013 - 11:18 -- Word Smith

The number of affordable homes completed in 2012/13 was down by 29 per cent from the previous year, contributing to a chronic shortage of homes which forces up rents and pushes house prices and deposits further out of reach of first time buyers, so will the Help-to-Buy scheme be enough?

Affordability has improved with the Government stressing that it is building 170,000 new homes across England to help cope with demand.

Word Smith's picture

What is Help-to-Buy

Thu, 11/21/2013 - 03:09 -- Word Smith

Help-to-Buy is a Government scheme designed to help owners move to a new property with just a 5% deposit. The scheme was launched in April 2013 and prior to the scheme, home owners typically needed around 20% deposit. Now, it’s 5% and with some lenders, it can be 4%. You need to get a minimum of 5% for the deposit and the Government will help you out with an Equity loan of up to 20%, meaning you only need to get a mortgage of around 75%.

Word Smith's picture

Rest of the UK versus London - what are the benefits?

Wed, 10/23/2013 - 01:17 -- Word Smith

London's Mayor, Boris Johnson has stated he wants visas for people seeking to work in London, may be he has a point as many businesses argue that they are finding it difficult to recruit the skilled workers they need. One of the problems is the high price of London property. Boris also argues that the city has little autonomy over its finances and, given the disparity between London house prices and the rest of the country, the gap seems to be widening so may be he has a point on that too.

Subscribe to RSS - help to buy