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Author: amoore70
Capped rate mortgages – what you need to know
A capped rate mortgage in the UK is a type of mortgage product that combines elements of both fixed-rate and variable-rate mortgages. With a capped rate mortgage, the interest rate fluctuates in line with the lender’s standard variable rate (SVR), but there is a limit, or cap, on how high the interest rate can rise… Read more
Joint tenants or tenants in common
In the UK, when multiple individuals own a property together, they can do so as either tenants in common or joint tenants. These two forms of property ownership have distinct legal implications and affect how ownership is structured, transferred, and inherited. Let’s explore the differences between tenants in common and joint tenants: Tenants in Common:… Read more
Exploring Bristol: A guide to its vibrant neighbourhoods and best places to live
Nestled in the southwest of England, Bristol is a city renowned for its rich history, cultural diversity, and vibrant atmosphere. From its picturesque harbourside to its eclectic neighbourhoods, Bristol offers a diverse range of lifestyles and amenities for residents. In this guide, we’ll delve into some of Bristol’s most notable areas and highlight the best… Read more
Understanding Split Leasehold in the UK: Advantages and Disadvantages
Split leasehold, also known as leasehold enfranchisement, is a unique property ownership arrangement that divides the ownership of a building into multiple leaseholds, typically between different floors or units. This arrangement is commonly found in buildings that have been converted into multiple flats or apartments. In the UK, split leasehold can offer both advantages and… Read more
Understanding the Right to Buy Scheme in the UK: Empowering Council Tenants to Own Their Homes
The Right to Buy scheme has been a transformative initiative in the UK housing market, empowering council tenants to become homeowners and providing opportunities for social mobility. This article aims to delve into the details of the Right to Buy scheme, including its history, eligibility criteria, benefits, and considerations for prospective buyers. The History of… Read more
Exploring mortgage protection products in the UK: Safeguarding your home and finances
Purchasing a home is often the most significant financial commitment individuals make in their lifetime. With this in mind, ensuring that this investment is protected against unforeseen circumstances is paramount. Mortgage protection products offer a range of options to safeguard homeowners and their families in the event of illness, unemployment, or death. This article delves… Read more
Tracker mortgages – all you need to know
Tracker mortgages are a popular type of mortgage product in the UK, offering borrowers the opportunity to benefit from changes in the Bank of England’s base rate. This comprehensive guide aims to provide a detailed overview of tracker mortgages, including how they work, their features, benefits, considerations, and their suitability for different types of borrowers… Read more
Do I need an EWS1 form for my property?
Understanding the EWS1 Form: What It Is and Which Properties Need It In recent years, the External Wall Fire Review process, commonly known as the EWS1 form, has gained prominence in the UK property market, particularly in the wake of the Grenfell Tower tragedy. This article aims to provide clarity on what the EWS1 form… Read more
The Pros and Cons of Buying a New Build Property in the UK
Purchasing a new build property is an appealing option for many homebuyers in the UK. These properties, which are newly constructed and have never been lived in, come with a range of benefits and potential drawbacks. This article explores the pros and cons of buying a new build property to help prospective buyers make an… Read more