Top tips for your property journey.
If you are purchasing your first home, find out if you can make the most of government bonuses and tax allowances to grow your deposit. If you are already a home owner, compare strategies such as mortgage overpayments or investing. Tax treatment and the awarding of government bonuses depend on your individual circumstances and may change in the future.
Is the Lifetime ISA still a good deal for homebuyers?
27 November 2023|7 min
As house prices have risen, the rules and thresholds around Lifetime ISAs (LISA) have become a pain point for some, with no additional help given to savers or investors in these products by the Chancellor in this year's Autumn Statement.
Pension or property – which is best to fund your retirement?
20 September 2023|6 min
It’s a question many of us face when we think about funding our retirement – whether to invest in property, downsize your home, or focus more on a personal pension. Here are the pros and cons of each route to creating a stronger financial future.
Has the cost of borrowing delayed your property hunt? Your options assessed
19 July 2023|7 min
With rising interest rates, the process of getting a mortgage and buying a home is getting trickier. We offer some tips to help you get your foot through the front door, whether you buy now or invest for later.
Why mortgage rate rises are the ‘Big Bad Wolf’ for the UK housing market
27 October 2022|5 min
Mortgage rates have been trending higher over the past year, and this spiked more recently given unprecedented events in Westminster – the announcement, and subsequent U-turn, on fiscal expansion outlined in the Growth Plan. But what does this all mean for the housing market?
Why you can’t buy a home and it’s not because of Netflix
29 September 2022|7 min
Netflix, avocado, coffee and brunch – we’ve all heard the clichés blaming Generation Rent’s struggles on their spending habits. Over the years a range of influential voices have come out and declared they’ve found the secret to reversing the decline in home ownership among the young, which has fallen continually over the past 30 years.
How long will it take you to get on the property ladder?
24 August 2022|5 min
We are a nation of homeowners – at least notionally we are. While the UK has traditionally had a love affair with property and home ownership – fostered by successive government initiatives from right to buy to help to buy – the reality is that for many getting a foot on the property ladder has never felt harder.
Property vs equities – which is the best long-term investment?
12 May 2022|8 min
Us Brits love to talk about our homes and house prices but are sometimes more hesitant to talk about other investments. But can buying property really be compared to investing in stock markets? And which is better suited for you?
How to use your Lifetime ISA to buy your first home, a step-by-step guide
10 January 2022|4 min
When the Lifetime ISA was introduced in 2017, it was intended to help people put money away for their first home or retirement. If you’ve been using a Lifetime ISA (LISA) to get you onto the property ladder, it could be helpful to know what steps you need to take now that your home purchase is in sight.
Buying your first home using a Lifetime ISA
18 November 2021|4 min
Owning your own home – for some it’s a major life goal and picking out pillows, plants and appliances for your potential new home is exciting. But there can be major obstacles in your way; from saving your deposit, finding a property you can afford and going through the purchase process. We spoke to first-time buyers Luke and Mark about their experiences of getting on the housing ladder using a stocks and shares Lifetime ISA, where your contribution is topped up with a 25% government bonus.