Get Your Garden Ready
Spring is finally here, bringing longer days, warmer weather, and the perfect opportunity to get your garden in top shape. Whether you’re a keen gardener or just starting out, preparing your outdoor space now will ensure you can enjoy it throughout the season. Create an Impression A well-maintained garden doesn’t just boost your enjoyment, it […]
The Real Costs of Buying a Home
Buying a home is a huge milestone and one of the biggest financial decisions you’ll ever make. But beyond the deposit and the monthly mortgage payments, there are several other costs to consider. Being aware of these expenses early can help you plan better, avoid surprises and move forward with more confidence. We’ve broken down […]
The Impact of a Lifetime Mortgage on Inheritance Tax
A lifetime mortgage is a popular way for homeowners, over 55, to unlock equity from their property while continuing to live in it. Whether used to fund retirement income, home improvements, or support family members financially, a lifetime mortgage can provide significant benefits. However, it’s important to consider how it can impact inheritance tax (IHT) […]
What Is an Offset Mortgage & Could It Work for You?
When choosing a mortgage, there’s no one-size-fits-all. And if you’re someone who wants more flexibility and to make your savings work a little harder, an offset mortgage could be worth considering. In my YouTube video, I break it all down in plain, simple terms: 🎥 Watch here: What is an Offset Mortgage? Let’s explore what it means, who […]
Could You Cope Financially if You Couldn’t Work?
Life is unpredictable, and an illness or injury could mean time off work, affecting your ability to pay essential bills, including your mortgage. A recent survey by Cirencester Friendly found that 56% of people wouldn’t know what spending to cut if they lost their income due to illness or injury. This raises an important question: […]
Thinking of Buying a New Build? Here’s What You Need to Know
There’s something truly special about stepping into a home that’s never been lived in before. Pristine walls, modern finishes, and the excitement of being the very first to call it home, buying a new build can be a wonderful experience. But it also comes with its own unique process and considerations, which is why I’ve […]
Stamp Duty Changes 2025: What You Need to Know
From 1st April 2025, major changes to Stamp Duty Land Tax (SDLT) take effect, impacting the majority of homeowners in the UK. If you’re planning to buy or move home, it’s crucial to understand how these changes could impact your costs. How Much More Will You Pay? Around 49% of homeowner purchases over £250,000 will […]
Why Property Surveys Matter Before You Buy
Buying a home is one of the biggest financial commitments you’ll ever make, and while a property might look perfect on the surface, there could be hidden issues lurking beneath. That’s where property surveys come in – they provide a deeper look at the condition of a home before you sign on the dotted line. […]
How To Navigate Asking Prices
While the market shows signs of growth, navigating asking prices can feel overwhelming, especially with rising competition among buyers and sellers. Here’s how you can approach it confidently and make informed decisions… 🏡 Understand Market Trends It’s essential to know what’s happening in the market before making a move. January saw the largest price jump […]
Buying a Property at Auction: What You Need to Know
Purchasing a property at auction can be an exciting way to secure a home or investment, often at a competitive price. However, it’s essential to understand the process and prepare adequately to navigate the auction landscape successfully. Understanding Property Auctions Property auctions are public sales where properties are sold to the highest bidder. They offer a […]