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SA302 Tax Calculations and Annual Tax Overviews

When you apply for a mortgage or loan, lenders typically request both the SA302 and the Annual Tax Overview as part of their assessment process.

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Offset Mortgage vs. Savings: Which is the Better Choice?

Offset mortgages reduce mortgage interest using linked savings accounts, potentially offering tax efficiency and flexibility, but forgoing savings interest.

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Is It Beneficial to Hold One BTL Property Per Company?

Holding one buy-to-let (BTL) property per company offers risk isolation and potential tax efficiencies but comes with additional administrative costs.

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Adverse Credit and Its Significance for Home Buyers

Adverse credit impacts mortgages for buyers, requiring higher deposits and interest rates. Alternatives and credit improvement may help overcome challenges.

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How the income multiple influences home purchasing power

This article explores how the income multiple influences the amount you can borrow from a mortgage lender and the effect of this on your home purchasing power.

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An Introduction to Assured Shorthold Tenancies (ASTs)

This article provides an overview of Assured Shorthold Tenancies, including key features, legal requirements, landlord and tenant rights, and imminent changes.

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An Introduction to Inheritance Tax (IHT) and Life Insurance

This article explores inheritance tax (IHT), and the role of life insurance and other strategies, such as using trusts and gifting, in estate planning.

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Renting Out a Room in Your Home: Understanding Tenancy Types

This article outlines key legal and practical aspects of renting a room, focusing on tenancy types, landlord responsibilities and tax benefits.

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How the Rent to Buy Scheme Works

The Rent to Buy scheme allows you to rent a home at a reduced price, build up your savings and eventually buy the property when you are ready.

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Introduction to Rent Guarantee Insurance and Rent Guarantors

This article outlines the features and potential suitability of rent guarantee insurance and rent guarantors for landlords and tenants.

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An Introduction to the Annual Equivalent Rate (AER)

Annual Equivalent Rates facilitate easy comparison of different savings products, even where they offer different interest rates and compounding intervals.

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Green Mortgages: Sustainability is Changing Home Finance

As the government pushes towards its net-zero goals, lenders and borrowers are embracing the idea of applying sustainability to mortgage financing.

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Impact of Upcoming Regulatory Changes on the BTL Market

This article outlines key regulatory updates, their potential impact on the market and practical strategies for landlords to adapt.

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Using Property Refurbishment to Increase BTL Returns

This article explores how property refurbishment can significantly increase the value and rental income of buy-to-let investment properties.

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What Happens at the End of an Interest-Only Mortgage?

In this article, we explore what happens at the end of an interest-only mortgage, and the risks and benefits involved in managing this type of mortgage.

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