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How can you help sell your home?

When offers don’t come in following viewings, selling your home can be frustrating. Especially when you don’t know why others don’t want to buy your home and you feel like there is nothing you can do to help.

However, you can make a bigger difference than you might realise to your sale. In this blog we discuss things you can do to help get your home sold.

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Sell faster with a stunning property description

So you’ve been preparing to sell your property, possibly for months, or even longer. You’ve cleaned up, decluttered, depersonalised, done some staging, and taken amazing photos. All those things are important when you’re selling. One thing that is neglected to be brought up with estate agents is the listing description. Writing a compelling listing will help ensure that your listing generates interest and produces showings that result in a sale.

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Is this a legal tax loop hole for 73,064 Birmingham City Landlords?

In November 2015, George Osborne disclosed plans to restrain the buy-to-let (BTL) market, implying its growing attractiveness was leaving aspiring first time buyers contesting with landlords for the restricted number of properties on the market. One of things he brought in was that tax relief on BTL mortgages would be capped, starting in April 2017.

Before April 2017, a private landlord could claim tax relief from their interest on their BTL mortgage at the rate they paid income tax – (i.e. 20% basic /40% higher rate and 45% additional rate). What does this mean for current landlords, and is there any other options to reduce the amount of tax being paid?

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What schemes are available to help me get a mortgage?

Talk to our independent mortgage advisors

Buying a home can be a difficult process and for many people, the process of getting a mortgage is the hardest aspect. There is a need to focus on your finances for a considerable period of time before you apply for a mortgage but even with this in mind, if you have a poor credit history, a mortgage lender may decline your application.

However, there is assistance for people looking to buy property and it is important to know what schemes are available to help people get a mortgage. The Government realises it is important to help people get on to the property ladder, and this is why there are a number of schemes that can make the difference in someone applying for a mortgage.

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Four unmissable tips for First Time Buyers

A photo of the First Time Buyers of Old College Avenue in Oldbury

Many first-time homebuyers throughout the UK may feel like the prospect of purchasing their own property is a lifetime away. After all, research has shown a quarter of British people over the age of 50 still have grown-up children living at home. In addition, the property markets in some areas of the country appear to be heavily against buyers.

Needless to say, buying a home virtually anywhere in the country can be a costly and time-consuming process, but we’ve come up with some golden nuggets of advice to help aspiring homeowners get to where they want to be.

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73% of Birmingham City Centre Properties are Leasehold, what does that mean?

A property on Oakham Road, Oldbury that Love Your Postcode is selling

There are 23.36 million properties in England and Wales with 64% being owner occupied and 36% being rented either from a private landlord, local authority or housing association. Over nine out of ten of those English and Welsh owner-occupied properties are a whole house or bungalow. Now, most people would assume they would be freehold – however, of those renting nearly half of rental properties, 44% to be precise, lived in other leasehold apartments and flats.

But what does it actually mean for a property to be leasehold?

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73% of Birmingham Properties are Leasehold

73% of Birmingham Properties are leasehold.

There are 23.36 million properties in England and Wales with 64% being owner occupied and 36% being rented either from a private landlord, local authority or housing association.

Over nine out of ten of those English and Welsh owner-occupied properties are a whole house or bungalow. Now, most people would assume they would be freehold – however, of those renting nearly half of rental properties, 44% to be precise, lived in other leasehold apartments and flats.

Continue reading

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