Mortgages

First Time Buyer

First Time Buyer

Remortgage

Remortgage

New homes

New homes

Moving home?

Moving home?

Buy to Let

Buy to Let

Commercial finance

Commercial finance

Lifetime Mortgages

Lifetime Mortgages

Lending into retirement

Lending into retirement

Equity Release

Equity Release

Whatever your circumstances, finding the most appropriate finance arrangement for your property purchase is essential and can at times prove to be a stressful and time consuming experience.

Through our close relationship with The Right Brokers, we can help address these challenges with mortgage advice and access to a wide range of loans and solutions tailored to suit your financial needs.

Contact us for further information or to discuss your needs.

Our expertise includes mortgages and remortgages in:

  • Residential purchases
  • Buy-to-let purchases
  • New Build
  • First time buyers
  • Commercial finance
  • Bridging finance
  • Secured loans
  • Equity release
  • Over 50 lending / Lending into retirement

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    Important things to think about: Stamp Duty

    Residential property rates

    You usually pay Stamp Duty Land Tax (SDLT) on increasing portions of the property price when you buy residential property, for example a house or flat.

    SDLT only applies to properties over £250,000.

    The amount you pay depends on:

    Use the SDLT calculator to work out how much tax you’ll pay.

    You can also use this table to work out the SDLT for the purchase price of a lease (the ‘lease premium’).

    Rates for a single property

    You pay stamp duty at these rates if, after buying the property, it is the only residential property you own. You usually pay 3% on top of these rates if you own another residential property.

    Property or lease premium or transfer value SDLT rate
    Up to £250,000 Zero
    The next £675,000 (the portion from £250,001 to £925,000) 5%
    The next £575,000 (the portion from £925,001 to £1.5 million) 10%
    The remaining amount (the portion above £1.5 million) 12%

    Example: In October 2022 you buy a house for £295,000. The SDLT you owe will be calculated as follows:

    • 0% on the first £250,000 = £0
    • 5% on the final £45,000 = £2,250
    • Total SDLT = £2,250

    Correct as of 02/2024 taken from gov.co.uk

    Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

    There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The typical fee is £495.

    Your home may be repossessed if you do not keep up repayments on your mortgage.

    You may have to pay an early repayment charge to your existing lender if you remortgage.