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Act Now for a Home by Christmas: Your Guide to a Timely Move

Dreaming of celebrating this Christmas in your new home? It’s not too late to make it happen! Buying a home can be a lengthy process, but with a strategic plan and a sense of urgency, you can secure your new home and be settled in by the festive season. In this blog post, we’ll guide …

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House prices fall

House prices fall by 5%. Good news for First Timers and Home Movers. According to the Nationwide Building Society, houses on average have fallen by 5.3% in the 12 months to August 2023. If you’re looking to buy your first home or move up the ladder this should be seen as positive news. It may …

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Bank of England Base Rate Rises(Again!)

Bank of England Base Rate Rises by 0.25% The Bank of England have increased the Base Rate to 5.25%, this is the 14th consecutive rise. At first glance this is not good news, certainly if you have a base rate tracker mortgage, but this is half what experts were predicting until we saw a drop …

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Buy your Home from your Landlord.

Prospect Tree Mortgages have advised many clients how they can buy their rental property from their landlord. With times changing and landlords reassessing their options, now could be the perfect time to see if you are able to buy direct from your landlord. Can private rental tenants ask to buy the house from their landlord? …

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Should I repay my Help to Buy equity loan?

Bear in mind that what you must pay back is a percentage of the property’s current value, not what you paid for it. If house prices are likely to go up over that five-year period, it’s best to pay off the loan quickly. The Government’s Help to Buy Equity Loan scheme is designed to help those …

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The increasing Struggles of being a Landlord.

The business of being a landlord is changing fast. HMRC have made it difficult for Landlords to make a “profit” from rental for Landlords who have a mortgage. With rising interest rates, the gap between payments and rental has closed and in some cases, after tax, the rent may not cover the mortgage. Landlords are …

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