The New Mortgage Rules Explained: What They Mean for First-Time Buyers in 2025
It’s been a challenging few years for first-time buyers in the UK. But in 2025, a long-awaited shift has arrived and it could finally open the door to homeownership for thousands. So What’s Changed? In March 2025, the Bank of England made a significant change to its lending guidance, leading to the relaxation of mortgage […]
100% LTV: Market Gamechanger or Cause for Concern?
April Mortgages has shaken up the UK property market with the launch of a 100% loan-to-value (LTV) mortgage, allowing first-time buyers and movers to purchase a home with no deposit. This is one of the first true 100% LTV products since the 2008 financial crisis and is generating significant debate among buyers, lenders, and regulators. […]
The Rising Cost of Care: Navigating Fee Increases in the UK Care Home Sector
In recent years, the UK care home sector has experienced unprecedented financial pressures, with care home fees consistently outpacing general inflation. For families and individuals planning long-term care, these escalating costs represent a significant financial challenge that demands proactive and strategic planning. by Yash Tosar The Current Landscape of Care Home Costs According to the very […]
Buy-to-Let Market Changes: What Landlords Need to Know About Mortgage Regulation Updates
Buy-to-Let Market Changes: What Landlords Need to Know About Mortgage Regulation Updates The buy-to-let landscape continues to evolve in 2025, presenting both challenges and opportunities for property investors across the UK. From regulatory changes to market dynamics, landlords need to stay informed about how these developments impact their mortgage options and investment strategies. Let’s explore […]
Pension Strategies Throughout Your Life
Pension Strategies Throughout Your Life As an independent financial adviser, I’ve helped clients at every stage of their pension journey. What’s become clear is that effective pension planning isn’t a one-size-fits-all approach—it evolves as you move through different life stages. In this guide, I’ll share tailored strategies for people at each major stage of their […]
Autumn Budget 2024
The 30th October Autumn Budget delivered several key announcements Removal of the exemption to inheritance tax of pension death benefits from 6th April 2027. No extension to the freeze in the income tax thresholds. An increase to the rates of Capital Gains Tax (CGT) from 10% and 20% to 18% and 24% respectively. […]
