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The Power of Self-Invested Personal Pensions (SIPPs) 

The Power of Self-Invested Personal Pensions (SIPPs)  As we go through life, we often overlook the importance of securing our financial well-being in retirement. In today’s world, where economic landscapes are ever-changing, ensuring a comfortable and worry-free retirement is becoming increasingly crucial.  Enter the superhero of retirement planning – Self-Invested Personal Pensions, or SIPPs. SIPPs […]

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News

How much should you borrow when taking out a Buy-to-Let mortgage?

Are you curious about how to buy a house and rent it out? Well, one important thing to figure out is how much money you should borrow for a mortgage.   Investing in a buy-to-let property can be a smart financial move, but it’s crucial to understand the mortgage lending process and how much you can […]

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Bridging

Our Guide to Property Auction Finance 

If you’ve ever bought property at auction or wondered about how property auction finance works, then this is the blog for you.   Auction property finance is a little different to a conventional residential mortgage. It can be confusing…but it doesn’t have to be.   Auction finance, also known as bridging finance, is a special kind of […]

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News

Should you conduct a survey on a buy-to-let investment? 

Deciding whether to conduct a survey on a buy-to-let investment property can be highly beneficial. Factors such as property condition, financial analysis, risk mitigation, and insurance requirements should be considered when making this decision.  Property Condition: Conducting a building survey can provide valuable insights into the condition of the property. A professional surveyor can find […]

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Commercial

Commercial Landlords: Improve Property Energy Efficiency

Due to the recent EPC requirements update on April 1st 2023, commercial landlords are now unable to let commercial property that has an EPC rating lower than ‘E’ without a legitimate reason.  Landlords with a property that has an EPC rating of F or G will be unable to secure new tenancies unless the property is registered […]

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News

How to increase the value of your rental property 

If you’re a landlord, the last thing you want is for your property to sit on the market for months. You have bills to pay and mouths to feed, after all.  But here’s the good news: The longer your tenants stay, the higher the value of your rental property!  Here are some tips for increasing […]

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News

Government launched £20m support fund to pilot EPC products

The government is encouraging lenders to innovate in the green finance market so homeowners and landlords can reduce their carbon emissions and lower their energy bills. The objective is to provide households with more choice of affordable finance options to retrofit Britain’s inefficient housing stock as part of the commitment to meet ambitious EPC targets […]

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News

Fixed Rates withdrawn across the board – act now!

The Bank of England’s chief economist has said the government’s mini-budget, which led to the pound falling to a record low against the dollar, will require “a significant monetary policy response”. Kwarteng sent sterling and government bonds into freefall on Friday with a so-called mini-budget that was designed to grow the economy by funding tax […]

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Bridging

Commercial landlords unprepared for EPC legislation changes

Improving the energy efficiency of Britain’s housing stock is a key part of the Governments manifesto pledge to tackle Climate Change.  Despite this, 40% of commercial landlords are unaware that in just six months legislation is coming into force that requires commercial rented properties to have an EPC rating of at least E. Research by […]

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News

Landlords: The new smoke and carbon monoxide alarm rules 

It’s 2022, and you’re a landlord. You’ve had your fair share of bad tenants. You’ve had people not pay the rent on time. You’ve had to deal with pests and mould in the property. But now, you have a new problem – and it’s literally life-threatening:  The Smoke and Carbon Monoxide Alarm (Amendment) Regulations 2022 […]

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News

Scotland’s rent freezes to tackle cost of living 

Nicola Sturgeon has announced a rent freeze for public and private rented properties as part of efforts to help people struggling with rising bills.  What a time to be alive! Describing pressures on household budgets as a “humanitarian emergency”, Scotland’s first minister set out the annual programme for government as the Holyrood parliament met for […]

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* bespoke quotes supplied the next working day following provision of all required lender information being supplied and validation by Propp case manager

† saving based on annualised interest rate saving where deal optimiser service negotiated a lower rate than lender’s published rate, based on current average saving of 0.9% and average loan £1051785. Time saving based on automated versus manual bespoke rate requests.

The solutions above refer to unregulated products only. Should you require a regulated loan please contact us. As a mortgage is secured against your property it could be repossessed if you do not keep up the mortgage repayments. Commercial mortgages and some forms of bridging, development and buy to let finance are not regulated by the financial conduct authority.