Stamp duty could be scrapped and replaced with property tax

Yesterday

According to a report in the Guardian, senior ministers have asked Treasury officials to look into a “proportional” property tax to see how it would work as an alternative to the existing stamp duty land tax on owner-occupied homes. 

More than half of buyers pressured to use estate agents’ brokers

22 days ago

A recent study by Boon Brokers where 1,000 people who had used an estate agent over the last year were surveyed, showed that a whopping 52% said they were pressured into using the estate agents’ in-house mortgage broker.

When will mortgage rates fall further?

26 days ago

Analysts are predicting further rate cuts this year, with the next one possibly coming down to 4% when the Bank of England’s Monetary Policy Committee meet on Thursday 7th August 2025.

Mortgage Reforms to Boost Competition and make Remortgaging Easier

22 Jul 2025

The Financial Conduct Authority (FCA) has shared new changes to mortgage rules with the aim to simplify remortgaging, and encourage competition within the mortgage market.

Most popular, affordable areas to buy for families

24 Jun 2025

Ever wondered where the most reasonably-priced towns for families to buy are? Property company, Zoopla has identified the top 10 towns for families to live in the UK by looking at the most affordable towns, and how many people are looking in that area.

Landlords look to increase rents ahead of the Renters’ Rights Bill

3 Jun 2025

Research from buy-to-let lender, Landbay, shows that UK landlords are looking at raising rents ahead of the Renters' Rights Bill which is due to come into force this year.

Landlords could miss out on green mortgages due to expired EPCs

30 May 2025

Data shows landlords could miss out on green mortgages due to expired energy performance certificates.

The salary required to be able to buy a home per area

28 May 2025

Buying a house is a big deal, and where you are planning to buy will make a difference financially. In this short blog, we look at the most affordable and most expensive areas and how much you need to be earning to buy in there.

Your House Viewing Checklist

19 May 2025

It’s important to ask questions about the property you are interested in before taking that step to make an offer. A little probing can make all the difference between buying your dream house or something that requires a lot of work.

Buy to Let mortgages: what's happening?

23 Apr 2025

We look at how to get the best Buy to Let mortgage rate, what's in store going forward, and options as a landlord with increasing costs.

UK mortgage rates following Trump’s Tariffs

14 Apr 2025

Throughout this past week, lenders have continued to reduce their mortgage rates giving borrowers in the UK some welcome news following the change in global tariffs under US President, Donald Trump.

Stamp Duty Rush as Deadline Looms

17 Mar 2025

According to Rightmove, a whopping 500,000 UK homebuyers are rushing to finalise their home purchase before the new Stamp Duty rules change in April.

Changes to Energy Performance Certificates (EPCs)

12 Mar 2025

The UK government is introducing new rules for Energy Performance Certificates (EPCs) that will impact landlords. Here's a summary of the key changes

Reasons to get a Buy to Let Mortgage

20 Jan 2025

Following recent changes in the Buy to Let market, some investors may find this product less appealing. However, if done correctly, building a buy to let portfolio can be very profitable.

Stamp duty: how is it changing in 2025?

7 Jan 2025

Helping you understand the upcoming changes in stamp duty (SDLT) from April 2025.

Rates increasing despite the recent bank rate cut

15 Nov 2024

We look at why mortgage rates increased following the Bank of England's choice to reduce the bank rate, and should you fix now?

UK 2024 Autumn Budget: Housing

30 Oct 2024

On 30th October 2024 the Chancellor, Rachel Reeves delivered the Autumn budget which we had previously been warned would be “difficult”. Below we have summarised the main housing points.

Bank of England Holds Base Rate at 5%

20 Sep 2024

With UK inflation remaining at 2.2% which is slightly above the Bank of England’s 2% target, the decision was made on Thursday 19th September to keep the base rate at 5%.

Virgin Money & Hive Launch Retrofit Boost “Green” Mortgage

13 Sep 2024

Virgin Money and Hive Energy introduce new "green" mortgage product called Retrofit Boost Mortgage with the aim to help homeowners improve the energy efficiency of their home by offering cashback between £3,000 and £15,000

Prices for UK houses drop in July 2024

15 Jul 2024

The average seller’s asking price dropped by 0.4% in July, a bigger drop than we have typically seen. 

Overpaying mortgage vs money into savings

18 Jun 2024

Should you overpay your mortgage? If you can put extra cash away you need to seriously consider whether you should pay more off on your mortgage or put it into a savings account.

What is the most popular time of year to buy a house?

13 May 2024

Does the time of year make a difference in house purchases? The answer is, yes and no.

The popularity of buying a house can vary depending on various factors such as regional trends, how the economy looks, and of course personal circumstances. 

Reasons to Remortgage your Home

19 Mar 2024

If you are looking at remortgaging your property but you are unsure whether it’s the right decision, we have listed five reasons why it might be for you.

How Will The Proposed EPC Changes Impact Landlords?

22 Aug 2022

If you’re a landlord & you’re unaware of the proposed upcoming legislative changes, see how this new bill could impact the UK rental market.

Things You Need To Know When Getting A Buy-To-Let Mortgage

4 Mar 2022

Purchasing a property and then letting it out to tenants is a great way to earn additional income and the more properties you own, the more you can earn.

Tips on Buying a Property with a Tenant in Occupation

There are a few reasons why you might be buying a property with a tenant still in occupation (a sitting tenant).

Electrical Safety Regulations - An April Deadline for Landlords!

From the 1st of April, Landlords are now obliged to have an electrician undertake an Electrical Installation Condition Report (EICR).

The Number of Mortgages Available is Now at a 12 Year High!

Moneyfacts, the independent mortgage market monitor of all things ‘mortgage’ has reported that overall mortgage availability rose in January 2021, to 3,215 products!

10 Reasons to Invest in UK Property

There are still many reasons why the UK property market could be considered one of the best investment opportunities in the world. Here are ten reasons why.

Top 10 Tips for Successfully Letting Your Property

Here we list 10 things you should consider doing to enhance your return on capital.

Lease Extension Fees - Don't Get Caught Out

Flats, in particular, are usually owned leasehold because in very simple terms, to own the freehold of a property is basically to own the land below and the air above and, in the case of a flat, clearly this isn’t possible.

How to Speed Up Your Buy to Let Mortgage Application

The process of obtaining a buy to let loan usually takes between 4 - 6 weeks, although, as with all purchases, there are a variety of steps to the process which will delay or even stall the process.

Negotiating Tips When Buying a Property

What can you do to improve your negotiating position? Here are a few simple tips that too many people ignore.

New Electrical Safety Standards Guidelines for Landlords.

The regulations apply to new tenancies commencing on or after 1 July 2020 and inspections relating to properties subject to existing tenancies must be undertaken before 1. April 2021.

Stamp Duty Holiday

The chancellor has announced a temporary holiday on stamp duty up to £500,000 as part of a number of measures to help stimulate the economy. We have listed below the key facts following this announcement.

What documents do I need to support my mortgage application & when?

Applying for a mortgage can seem an intimidating and complicated process. Thankfully this is something we do every single day, so we can do much of it for you. Simple.

Where can I get an Energy Performance Certificate?

You must have an Energy Performance Certificate before you start marketing your property. Buildings that don’t need an EPC include...

The Latest Interest Rate Cut and How it Affects You.

Generally referred to as ‘the base rate’, when it falls it is usually (but not always) an indication that lending rates generally will also fall.

Mortgage Required Launch Video Appointments

If you can’t come to us we can quickly set up a video or phone appointment.

COVID-19 - Mortgage Payment Holiday for Landlords

Whether you are an owner-occupier or a private landlord, the most important thing is not to panic or put your head in the sand.

The best books for Buy to Let Landlords & Property Investors

Here we look at just a few of the great books out there that might interest the buy-to-let landlord or property investor.

10 Ways to Minimise the Risk When Investing in Property.

To minimise the risk when investing in property there are a variety of measures you should take and precautions you can make. Here are just a few...

Do I Have to Change My Mortgage to Rent Out My Home?

Almost all, if not all, lenders will either prohibit you from letting your home to a third party or they’ll set restrictions and have formal requirements around notification, etc.

Can I Let My Property Without a Buy to Let Mortgage?

The simple answer is no. At least, you can, but it’s a very bad idea.

New Legislation for HMO Landlords

The Ministry of Housing, Communities and Local Government have recently introduced new guidelines for HMO landlords.

Stamp Duty Refunds for 10,000 People with Second Home Error.

More recently, the UK government introduced a relatively complex scale of tax bands aimed in large part at discouraging the purchase of second homes and property used for buy-to-let investment.

Stamp Duty Changes for Buy to Let Landlords

The UK Government have been keen to discourage the small private buy to let investor. From April 2016, anyone purchasing an additional buy to let property must pay at least an extra 3 per cent in stamp duty land tax.

New Requirements for Portfolio Landlords on Buy to Let Properties

As part of a portfolio of measures aimed at cooling demand from the buy-to-let market, the UK’s Government have recently introduced several fiscal measures aimed at achieving a reduction in those interested in entering the private buy-to-let market.

Landlords - See How the Latest Changes Will Affect You

27 Oct 2017

The Buy to Let landscape is changing. The government fully intends to collect more tax from landlords and the option to buy and rent out property may no longer be open to just anyone who can raise a deposit.

Landlords – Are You up to Speed with the Changes?

29 Aug 2017

There have been so many changes in the Buy to Let sector, that I thought it was time for a general round up.

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Recent posts

According to a report in the Guardian, senior ministers have asked Treasury officials to look into a “proportional” property tax to see how it would work as an alternative to the existing stamp duty land tax on owner-occupied homes. 

More than a quarter of UK adults in long-term relationships (26%) have reported that despite living together, they keep their finances separate from one another.

There has been a rise in both rent and mortgage costs over the last three years, with renters seeing a greater increase in their monthly payments than those with a mortgaged property.

The new Delayed Start Mortgage launched by Skipton Building Society allows first time buyers to postpone the first three mortgage payments. This product has been designed to help soften the blow of moving in costs for first time buyers. 

Mortgage lenders are starting to recognise their “Green” responsibilities when it comes to the different products they offer. 

A recent study by Boon Brokers where 1,000 people who had used an estate agent over the last year were surveyed, showed that a whopping 52% said they were pressured into using the estate agents’ in-house mortgage broker.

Analysts are predicting further rate cuts this year, with the next one possibly coming down to 4% when the Bank of England’s Monetary Policy Committee meet on Thursday 7th August 2025.

The Financial Conduct Authority (FCA) has shared new changes to mortgage rules with the aim to simplify remortgaging, and encourage competition within the mortgage market.