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Huge increase in home buyers being gifted £100k or more for deposits as families look to sidestep inheritance tax
26/04/25 06:00
Britain is in the midst of an unprecedented wealth transfer from baby boomers to younger generations - and house deposits are increasingly the vehicle of choice. In the first three months of 2025, approximately 30,788 gifted house deposits of £100,000 or more were recorded, according to data from Twenty7tec. It says of all the buyers helped with gifted deposits last year, 29 per cent of them were given £100,000 of more....read
New lender launches mortgages at seven times income - is it a good idea?
24/04/25 03:43A mortgage lender is now offering home buyers and homeowners the chance to borrow up to seven times their annual salary.
Treasury raked in £1.4BILLION in stamp duty in March as home buyers raced to beat hike
23/04/25 04:11Homebuyers rushed to complete their property purchases in March ahead of the stamp duty deadline, new figures have revealed.
Two major lenders relax mortgage rules - first-time buyers can now borrow £39,000 more
23/04/25 02:32Two more mortgage lenders have relaxed their mortgage rules, meaning homebuyers households can now potentially borrow tens of thousands of pounds more.
Mortgage rates are higher today than six months ago - despite two Bank of England rate cuts
19/04/25 06:00Homeowners have seen mortgage rates rise since October, despite the Bank of England cutting the base rate, new exclusive analysis has revealed.
I've inherited a house but it needs work: Do I have to pay double council tax until it is sold?
18/04/25 06:00My siblings and I have inherited our uncle's house and are planning to sell it. Do we have to pay double council tax, as it's technically a second home?
Three major mortgage lenders cut rates as cheapest deal falls to 3.91%
17/04/25 11:30There is also a new best-buy for those buying a home with a 25% deposit, coming in at 3.92%.
Mortgage rates don't have much further to fall in 2025, say experts
17/04/25 09:45The Bank of England is forecast to cut interest rates three more times this year - but it is unlikely to translate into lower mortgage rates, according to experts.
I'm buying a top floor flat - can I build a roof terrace without planning permission?
17/04/25 05:00I've been told I would need to get the other co-freeholders in the building to agree to my plans. Is that likely and how can I incentivise them?
House prices rise at fastest rate since 2022, going up £13,000 in past year
16/04/25 11:54House prices rose at their fastest rate in more than two years in the twelve months to February, according to the Office for National Statistics.
Two high street banks lower mortgage rates to below 4%
16/04/25 09:17Several mortgage lenders have reduced their prices in recent weeks, as faster interest rate cuts now are expected.
Major lenders relax mortgage rules in shake-up that could see average borrower get £38,000 more
15/04/25 02:50The changes to 'stress tests' could increase customers' maximum borrowing by around 13%.
Britain's fastest and slowest property markets revealed: Is yours on the list?
14/04/25 11:01On average, there are 36 days between a home being put on the market, and a sale being agreed - but properties in some towns move much quicker.
Number of 5% deposit mortgages rises to high not seen since financial crisis
14/04/25 12:43The low deposit deals, which are popular with first-time buyers, now make up 6% of all mortgages on the market.
We want to buy a flat but the co-freeholder is causing issues: Should we walk away?
14/04/25 06:00My boyfriend and I are in the process of buying our first property, which is held under what is known as a maisonette lease. Our solicitor has raised three big red flags.
Major bank cuts mortgage rates as best-buy fixed deals fall to 3.89%
10/04/25 02:34Several mortgage lenders have made reductions amid the tariff turmoil, but brokers warn that these may be short-lived.
First-time buyers made a RECORD proportion of house purchases at start of 2025
10/04/25 12:05One third of all sales were to a first-time buyer in the first three months of this year, according to Hamptons estate agents - rising to half in London.
Mortgage rates drop below 4% as more interest rate cuts predicted for this year
09/04/25 01:30One broker said tariffs chaos had created a 'golden window of opportunity' for homeowners to secure a cheaper mortgage.
Rate gap between two and five-year mortgages is now TINY: How long should YOU fix for?
09/04/25 06:00Not so long ago, there was a clear preference among borrowers for five-year fixes - but that now looks to be changing as mortgage rates are forecast to fall.
Average first-time home buyer is now over the age of 30 in all but ONE part of Britain
08/04/25 01:42The bank looked at the average age of first-time buyers across England, Scotland and Wales, and found that most were aged either 32 or 33.
First lender cuts mortgage rates as tariffs set to bring down interest rates
07/04/25 01:31Mortgage brokers are expecting more lenders to follow suit, in what could see a wave of rate reductions over the coming weeks.
House prices FELL in March as higher stamp duty costs took hold
07/04/25 08:08The average home fell in value last month as buyers factored in higher stamp duty costs, the latest figures from Halifax show.
Overseas property buyers in UK hit record low, says Hamptons
06/04/25 11:01The proportion of overseas buyers registering with Countrywide group estate agents fell to its lowest level on record at the start of this year.
Mortgage rates set to fall as tariffs spark predictions of more interest rate cuts in 2025
04/04/25 12:57Mortgage rates look set to fall over the coming weeks according to a key metric, after Donald Trump's tariff announcements led to predictions of faster interest rate cuts.
Is tax destroying the middle-class second home dream?
04/04/25 06:01Extra stamp duty and council tax levied on second properties could mean the sums no longer add up for many Britons.
Are mortgage rates about to fall? Trump's trade tariffs send swap rates lower
03/04/25 02:52Mortgage rates could be set to fall in the aftermath of Donald Trump's trade tarriffs after sonia swap rates fell following the announcement.
Where are house prices rising most? This Lancashire borough saw 12% spike in a year
03/04/25 06:00Nine out of the 10 local authorities with the biggest house price growth are in the midlands, north of England or Scotland.
Spike in landlords borrowing to buy properties as rents soar
02/04/25 11:39Mortgage borrowing by landlords jumped at the end of last year, as more looked to purchase new rental properties.
House prices up £10,174 in a year as buyers raced to beat stamp duty rise
01/04/25 08:19The typical home has added more than £3,000 in value in 2025 so far, latest figures from Nationwide Building Society show.
Homes are getting MORE affordable, according to these three key measures
01/04/25 06:00Comparing house prices, wages, mortgage costs and rents suggests it may be easier to get on the property ladder than in the recent past.
Stamp duty rise comes into force for home buyers: Calculate the tax YOU will now pay
31/03/25 10:32Home buyers now face higher stamp duty bills. Use our calculator to work out what you would pay based on the property value and your circumstances.
Major UK bank becomes first to loosen mortgage rules
28/03/25 03:29The bank has made changes to its 'stress tests' - the part of a mortgage application where the lender checks that the borrower could still cope if their interest rate went up.
Major bank becomes first to relax mortgage rules, giving customers £35,000 borrowing boost
28/03/25 02:33The bank has made changes to its 'stress tests' - the part of a mortgage application where the lender checks that the borrower could still cope if their interest rate went up.
House sales jumped in February as buyers raced to beat stamp duty rise
28/03/25 12:18The property market saw a surge in activity last month as buyers rushed to get transactions over the line before the stamp duty rise on 1 April.
Mortgage-free home owners on the rise as the cash-rich pay off loans
27/03/25 05:13Those who own their home without a mortgage outnumber those who are still paying them off, Department for Work and Pensions data shows.
Labour will fall far short of its 1.5 million homes target, says construction industry body
27/03/25 10:51The government is set to fall woefully short of delivering on its promise to build 1.5 million homes, according to the construction industry's largest trade association.
Stamp duty pain for homebuyers with no reprieve on looming tax hike
26/03/25 02:49There will be no stamp duty reprieve for homebuyers after the Chancellor made no u-turn during today's Spring Statement in parliament.
House prices are booming in the north of England, ONS figures reveal
26/03/25 11:03The booming property market of the north marks a strong contrast to what's happening to prices in the south, according to the latest official data.
It's a buyers' market after a deluge of homes listed for sale in recent weeks
26/03/25 12:01The property market is being swamped with listings, according to the latest house price data from Zoopla.
Council tax to DOUBLE on second homes in 200 areas from April
24/03/25 05:03Three quarters of local authorities in England and Wales look set to introduce a 100% council tax premium on second homes from 1 April.
Could landlords face ANOTHER stamp duty rise in the Spring Statement?
24/03/25 10:29Rachel Reeves could lump further tax misery on landlords this week by once again raising the stamp duty surcharge on second home buyers.
Taxman rakes in £1.1bn from stamp duty last month - use our calculator to work out how many thousands EXTRA you'll pay from April
21/03/25 04:17Buyers now have just ten days until 1 April, when the nil-rate threshold, under which no stamp duty is paid, drops from £250,000 to £125,000.
I've got £4,000 of credit card debt will it stop me getting a mortgage?
21/03/25 07:00I have got £4,000 of credit card debt. I checked my credit rating and it is decent but will my debt stop me getting a mortgage?
Nationwide cuts mortgage rates despite Bank of England holding interest rates at 4.5%
20/03/25 03:04Britain biggest building society is lowering mortgage rates on a number of its products by up to 0.26 percentage points.
Interest rates held at 4.5%: What it means for your mortgage and savings
20/03/25 12:01The Bank of England has held interest rates at 4.5% as it continues to tread carefully amid fears or resurgent inflation.
HSBC offers landlords mortgages with just a 20% deposit... but will they pass the affordability checks?
20/03/25 07:00Lower-deposit mortgage options for landlords are on the rise, but they might find it is difficult to get approved for one.
I'm a global fund manager - here's the video game firm I'd invest in NOW... and how I'm handling Trump's tariffs
19/03/25 08:53Stephen Yiu, fund manager at WS Blue Whale Growth Fund shares his thoughts on the US market, Nvidia, Bitcoin and much more.
Number of buy-to-let limited companies passes 400,000 as landlords look to cut tax
18/03/25 02:29The number of companies holding buy-to-let property in the UK has passed 400,000, according to analysis of Companies House data by Hamptons.
A mortgage is now a FIFTH cheaper than rent - but there's one region where tenants still fork out less
10/03/25 12:01Owning a home and paying a mortgage is once again far cheaper than renting according to Zoopla, after high rates briefly narrowed the gap.
Half of mortgage lenders now offer cheaper rates for properties with top eco credentials
09/03/25 08:51Home buyers looking to secure the cheapest possible rates on their mortgage might want to consider buying an energy efficient home.
House prices stagnant in February as buyers brace for higher stamp duty
07/03/25 08:55House prices fell by £213 on average in February, according to the mortgage lender, with the typical home now selling for £298,602.
The BIG mistakes people make when applying for a mortgage, according to experts
07/03/25 07:01Mortgage applications can go wrong for all manner of reasons, throwing property purchases into disarray. Here are some common errors and how to avoid them.
Seven in 10 mortgage brokers expect interest rates to rise again by January 2026
07/03/25 07:00The majority of mortgage brokers expect interest rates to be higher by the start of next year.
This is how much more first-time buyers are paying on their monthly mortgage compared to five years ago
06/03/25 09:42The amount first-time buyers fork out each month has risen sharply - but wages have also gone up.
Fastest and slowest areas for buying property - and how to speed a house sale up
06/03/25 06:00House sales are taking more than three months on average to complete - and in some areas that rises to nearly five.
Mortgage fees rise and cashback options disappear: Here's how to work out the cheapest rate for you
05/03/25 06:00On top of coping with higher interest rates, borrowers now face an average arrangement fee of £1,129 on fixed rate mortgages according to rates monitor Moneyfacts.
John Lewis to open its Dorset island castle to the public for first time
04/03/25 09:19Brownsea Castle off the coast of Dorset, was built in 1547 during the reign of Henry VIII, and has been exclusively used by John Lewis staff since the 1960s.
Spike in landlords putting properties up for sale as tougher rules, mortgage hikes and taxes bite
04/03/25 06:00The number of properties sold by landlords to owner occupiers spiked at the start of this year, according to data shared with This is Money.
Major bank cuts mortgage rates: Its 'green' home loan deals are now cheapest on the market
03/03/25 12:35It will be reducing its rates by as much as 0.48 percentage points for home buyers - but they need to meet certain energy efficiency standards.
Housebuilder shares are cheap: Do Labour's new homes plans make them a buying opportunity?
03/03/25 07:00The likes of Taylor Wimpey, Persimmon, Barratt Redrow and Vistry have seen share prices battered - but will things get better from here?
How buying a new car could mean getting a smaller mortgage
01/03/25 07:00Coventry Building Society has revealed exactly how much a PCP deal on the latest car models could hit someone's borrowing power.
House price winners and losers revealed: From £136k falls in Chelsea to booming west coast of Scotland
01/03/25 07:00Estate agent Hamptons has crunched Office for National Statistics data and revealed the top 10 best and worst performing local authorities for house prices.
Best buy easy-access savings rate pays 4.84% - but there's a big catch
28/02/25 02:22An investment platform is offering a market leading savings deal with FSCS backing from OakNorth Bank.
House prices rise for sixth month in a row as first-time buyers race to beat stamp duty hike
28/02/25 09:07Nationwide says the average house price has increased by 0.4% since January, as the level of transactions starts to pick up.
Five lenders now offer mortgage rates below 4% after major high street name announces cuts
27/02/25 04:18One of Britain's biggest lenders is dropping its lowest mortgage rates to below 4% from tomorrow.
Price gap between houses and flats hits a 30-year high as buyers prioritise bigger homes
27/02/25 12:01The price gap between houses and flats has hit a 30-year high, according to the latest data from Zoopla.
Two in five farms could go bust within five years due to inheritance tax changes
25/02/25 03:03More than a third of UK farms could go out of business in the next five years, based on a survey of 2,000 British farmers this month.
How 74,000 home buyers will miss April stamp duty deadline and cough up thousands in extra tax
25/02/25 12:01Roughly 74,000 home buyers across England are predicted to narrowly miss the stamp duty deadline next month, according to analysis by Rightmove.
HSBC launches best buy 3.98% fixed-rate mortgage deal - but there's a BIG catch...
24/02/25 01:23HSBC has just launched the lowest fixed rate mortgage on the market, but it will only be available to a select few.
Inflation could hit 4% this year: Would that stop the Bank of England cutting interest rates?
21/02/25 07:00Inflation could hit 4 per cent this year if Bank of England's forecasts only slightly exceed expactations.
Major lenders cut mortgage rates - but Santander will pull its 3.99% five-year fix soon
20/02/25 04:21Two mortgage lenders have today announced they are cutting rates across some home loan products.
How can the average home lose £22,000 but house prices officially rise 4.6%? We explain what's going on
19/02/25 02:49The average UK home is worth £22,000 less than thought just a month ago, according to the latest figures from the Office for National Statistics - but prices are actually up.
The Irish government will pay you £70,000 to go live there - but what's the catch?
19/02/25 12:07The Irish government is still paying people up to €84,000 (£69,762) to purchase a property in one of the country's offshore islands.
Could you be fined £1,000 by the council for using a neighbour's bin?
18/02/25 12:19Britons are being warned to think twice before chucking their rubbish in a neighbour's bin.
Major bank launches new current account switching deal with £175 cash promised within THREE DAYS
17/02/25 02:49Lloyds bank may have just launched one of the best current account switching offers of the year.
Property asking prices edge up AGAIN - but looming stamp duty hike and glut of homes makes life hard for sellers
17/02/25 12:01Property asking prices rose on average by £1,805 this month, according to the latest figures from Rightmove.
Most unaffordable towns and cities to buy a home in Britain revealed: Is yours on the list?
15/02/25 07:00Buying a home in more than half of Britain's biggest towns and cities typically requires putting down a deposit in excess of £100,000, new analysis has revealed.
First-time buyers behind more than half of all mortgaged house sales last year to hit new record
14/02/25 12:01First-time buyers were behind more than half of all mortgaged house sales, last year, according to Halifax
Seven major mortgage lenders cut rates: Should you lock in now or wait for further falls?
13/02/25 02:28More mortgage lenders are cutting rates as lenders battle it out for market share.
I'm the fund manager of Temple Bar Investment Trust: Here's where I would invest now
13/02/25 06:00Ian Lance, co-fund manager, Temple Bar Investment Trust shares his thoughts on on Pearson, Nvidia, Bitcoin and the 'cheap' UK market.
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