When remortgaging from one lender to another, it’s natural to have questions about how your mortgage payments and direct debits will be managed during the transition. This article addresses some of the most commonly asked questions and outlines best practices to ensure a smooth experience.
Structuring your buy-to-let portfolio under a Limited Company has become an increasingly popular strategy for landlords. But while this setup can offer clear tax advantages for new purchases, it’s not always suitable when transferring properties already held in personal names—unless the property was once your own residence.
This article walks through how Ltd company mortgages work, who they suit best, when transferring properties makes sense, and the key traps to avoid.
When buying a property with a mortgage, it’s easy to focus on rates, monthly payments, or loan sizes—but your deposit source and the evidence behind it can make or break your application. This often-overlooked detail has become increasingly important with tighter anti-money laundering checks and lender scrutiny. In this article, we explain what lenders and solicitors need to see, which sources are acceptable, and how you can avoid delays by getting it right from the start.
Capital Gains Tax (CGT) is payable to HMRC on the gain made when disposing of an asset, including property. However, it’s not just sales that are classed as a disposal-gifting a property can also trigger CGT.
In this article, we explore the implications of gifting a property either fully or partially, how it differs from inherited property, and what happens when property is placed into a trust. We also look at Stamp Duty considerations and share a real-life case study involving a family who transferred property between siblings.
When buying or letting out a property the EPC rating can have a larger impact than expected as it is not just legal compliance. It can influence your mortgage options, ongoing energy costs, and even your long-term returns. Whether you are a first-time buyer, a home mover, or a landlord, understanding how EPC ratings fit into the bigger picture is essential.
When applying for a mortgage, particularly for buy-to-let or investment properties, the Energy Performance Certificate (EPC) is NOT just a formality. It carries financial, regulatory, and environmental importance.
At Nachu Finance, we are not energy advisers, but we do take a holistic approach to mortgage planning, and EPC considerations are an important part of the advice we provide.
When clients ask about overpaying their buy-to-let mortgage, I often challenge them to consider whether overpaying the residential mortgage might be a better financial move.
If you have both types of mortgages, it’s important to look beyond the surface. While reducing any debt is a positive step, I firmly believe that – in most cases – overpaying the residential mortgage should be prioritised. Here’s why.
When it comes to property-related fraud, the stakes are high-after all, the bigger the asset, the greater the motivation for fraudsters. However, a simple yet effective step to protect yourself is registering for Land Registry Property Alerts, a free service that helps you monitor activity related to your property title.
One of the most common questions new homeowners ask is about their first mortgage payment-specifically, why it appears higher than the regular monthly payment. At first glance, this can seem confusing or even concerning. Here’s a clear explanation to help you understand why this happens and what to expect.
When purchasing a property jointly in personal names, there are two ways to structure ownership: Joint Tenancy or Tenants in Common. The choice between these options plays a significant role in inheritance, estate planning, and financial arrangements. Understanding the key differences ensures you make an informed decision that aligns with your long-term goals.
Many clients wonder whether they should purchase a property in joint names, especially if they can afford it in a single name or if one partner does not have an earned income. Some mistakenly believe there are advantages to purchasing a property in a single name. Let’s explore why joint ownership is often the better choice and debunk some common myths along the way.
A trust is an incredibly useful tool in estate planning, offering numerous benefits-one of the most significant being its ability to protect assets from potential risks. While the idea of a relatively straightforward setup providing such robust protection may seem too good to be true, it’s a proven and effective strategy. In this article, we’ll explore how a trust provides this protection, supported by real-life case studies to help illustrate its impact.
As we step into 2025, the mortgage market is brimming with questions. How will interest rates evolve? Will property prices stabilise? And what can homeowners and landlords expect? Let’s explore the key trends and actionable insights for the year ahead.
