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Insights from the Charles James team
What To Do When You Inherit A Property
While inheriting a property may come with sentimental value, it also brings important financial and legal considerations. Understanding your options will help you make the right decision for your circumstances.
To guide you through the process, we’ve outlined key considerations when inheriting a property, including your choices, tax implications, and legal steps.
Why Your Credit Rating Is Important
Your credit rating plays a crucial role in your financial life. Lenders use it to help decide if they'll give you a loan or credit, how much they’re willing to lend, and how much interest rate they’ll charge you.
If you’re looking into getting a mortgage, credit card, or loan, a good credit rating can make a significant difference in getting a good deal.
Understanding mortgages as a first-time buyer
We understand mortgages can be a confusing topic. If you're a first-time buyer, it's important you have a clear understanding of mortgages and your options before you buy your first home.
What is a remortgage?
Did you know you could save money every month by remortgaging? With interest rates at an all-time low, if you are currently paying a standard variable rate it may be worth considering remortgaging to bring down the rate of interest you’re currently paying.
How does furlough affect your mortgage?
If you have been furloughed and are currently on the government Job Retention Scheme, you may understandably be slightly worried about how this may affect your mortgage application.
Plan To Allow First-Time Buyers To Access Pensions For House Deposit Comes Under Fire
As the Housing Secretary calls on the government to allow first-time buyers to access their pension funds to help fund a deposit on a house, the Department for Work and Pensions (DWP) argue against the proposal.
Mortgage Approvals at A 2 Year High
Mortgage lenders approved 42,989 mortgages in April of this year, which may be a sign that the housing market is showing strength in uncertain times.
When To Compromise On Buying A House
The latest homebuyers’ survey from Which? has found that many people regret some of the compromises they have made when buying their home.
Over Half Of Families To Help Relatives Buy Their First House
With young people struggling to get on the housing ladder, around 54% of families will use cash savings to help relatives purchase their first house this year.
Autumn Budget Recap 2018
We look through the key points from the Autumn Budget, with a focus on taxation, housing and welfare.
What Does A Hung Parliament Mean For Your Finances?
An unexpected result in the General Election has left uncertainty surrounding key policies, particularly involving personal finance.
1 in 4 to Retire With Debt This Year
A quarter of those retiring this year will do so with outstanding debts according to a report from the Prudential.
Issues with Help to Buy
Help to Buy Isas have come under scrutiny, as it has been found that the government mortgage saving scheme is not able to be used for house deposits.
The UK Economy Post-Brexit
Since the UK voted to leave the EU on the 23rd June, there has been lots of speculation about what will happen to the country’s economy. We take a look at how different markets have been affected.
House Prices Fall Ahead of The EU Referendum
House prices have fallen by the largest amount in 4 years in the run up to the EU referendum.
How Much Will Your House Be Worth in 15 Years' Time?
Buying property is one of the best ways of investing money, but just how profitable will your investment be in 2030?
First Time Buyers and Higher Mortgage Rates
Around 1.5 million mortgage owners could face difficulties should rates increase.
How to Save Money
With more emphasis being placed on saving money, we look at how easy it is to cut down on your monthly outgoings.
The Real Cost of Buying a Home
When buying a house, there are more costs to consider than just the listed price of the property.