74% of First-Time Buyers pay Stamp Duty

 Last year, 74% of first-time buyers* paid Stamp Duty Land Tax when they bought their property. Stamp duty is payable on properties worth more than £125,000 (£145,000 in Scotland, where Land and Buildings Transaction Tax applies). The figures show that just a quarter of first-time buyers bought properties worth less than the stamp duty threshold […]

Help To Buy – A welcome addition to the ISA Range

Help to Buy Individual Saving Accounts (ISAs) have been described by TV finance presenter, Martin Lewis, as a ‘no brainer’, providing savers with both interest on their savings and government-backed bonuses designed to help first-time buyers save for a mortgage deposit. With house prices continuing to rise year on year, many find saving for a […]

Debt Consolidation: Explained

Debt consolidation involves taking some or all of your current liabilities and moving them to a new single source. This often includes personal loans, Hire Purchase commitments, store cards and credit card balances. When it is done properly, debt consolidation results in a lower interest payment, a lower monthly debt payment and an increased amount […]

Debt Consolidation

New SDLT Rules: Explained

The Chancellor’s Autumn Statement saw Stamp Duty tax reformed with a new system coming into place that is set favour UK home buyers. Before December 4th 2014, Stamp Duty was charged as a single percentage of the property price. Now it is charged at different rates depending on the portion of the purchase price falls […]

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