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Property Q&A – Remortgage Issue
Q: Ten years ago, we built a detached bungalow in the grounds of our house in Pontypridd We took out a 10 year interest-only mortgage with one of the High Street mortgage providers to pay for it. Now the 10 years is up and mortgage company wants us to pay it back. I know we […]
A savvy sellers guide to getting your Cardiff home ready for a spring sale
When things are uncertain, it’s understandable that making huge life decisions such as moving home could be far from the front of your mind. Yet as more and more of us are vaccinated, noises from the government lead us to believe schools could be set to return soon, and our crappy winter weather starts to […]
How to create a Zen sanctuary at home in Cardiff
From the many conversations we have been having lately, we know that people are finding this lockdown really tough. Parents are battling the stress of home schooling whilst juggling work and other commitments. Jobs and livelihoods hang on by a thread. The time we have had to endure away from friends and family is taking […]
How Will the Brexit Deal Affect Cardiff House Prices and Your Mortgage Payments?
Christmas Eve brought the news that Boris Johnson had conclusively agreed on a Brexit deal for the UK with the European Union. This gave optimism that the economic turmoil of leaving the EU would be radically reduced, yet what will this ‘trade deal’ do to the value of your Cardiff home and the mortgage payments you […]
7 top tips for moving home at Christmas
The decorations are up, the shopping days are getting few and Xmas songs are all over the radio. As you’re driving home for Christmas this year, have you added to the normal stresses and strains by moving home in Bristol as well? You won’t be on your own – you’d be surprised how many people […]
What will happen to the Cardiff property market in 2021?
In the last few months, the Cardiff (and UK) property market has resisted and flouted every economist’s prediction. With the economy a shadow of its former self, unemployment set to hit 11.9%, the Government on track to borrow nearly half a trillion pounds to pay for Coronavirus support packages etc., all of this has had […]
Are Cardiff First-time Buyers are Being Locked Out of the Cardiff Property Market?
With the banks reducing the number of low deposit mortgages (i.e. deposit of 10% and below) since Covid-19 hit in the spring, this has meant that the number of Cardiff first-time buyers has been decreasing quickly, meaning many of those would-be Cardiff buyers wanting to make the first step on the Cardiff property ladder are having to […]
How to escape the worst of the coronavirus downturn on their Cardiff rental property.
With the second lockdown starting on the 5th November 2020, does this mean Cardiff landlords can wave goodbye to their Cardiff buy-to-let investment and see it go up in smoke on the bonfire of buy-to-let dreams, like a Guy Fawkes puppet? With many Cardiff tenants at risk of losing their jobs after the furlough scheme […]
‘Generation Rent’ to Become ‘Generation Buy’?
Boris Johnson has attracted both praise and horror in equal measure with a new plan for 95% mortgages to help beleaguered first time buyers to get on the property ladder, but would that expose UK taxpayers to too much risk? In this article I discuss the implications of what that would mean both nationally and […]
Clevedon Properties Sold in Stamp Duty Holiday Bonanza
On the 8th of July 2020, the Chancellor announced the first £500,000 of any property bought was exempt from stamp duty until 31st March 2021. This also included buy to let landlords (although they would still need to pay the additional 3% stamp duty level for second properties). Talking to many of you Clevedon homeowners, […]
Can raising your roof raise the value of your home? Let’s talk loft conversions
The government has made a number of announcements recently, including a new law which is expected to come into effect in September. This will enable you as a homeowner to add two storeys to your property, and you won’t even need planning permission first. This means if you have been looking to extend your home, […]
Mistakes buyers make when purchasing a property
Over the last few years, when everything around us seemed uncertain, one thing we knew for sure was that the property market is vibrant, despite the predicted slow down. The rise in the stamp duty threshold has seen an increase in the number of properties coming onto the market and, in turn, buyers are eager […]