When and Why to Get a Property Survey – Beyond the Mortgage Valuation

Know the Real Condition of your future home

Would you spend £500 to avoid a £10,000 mistake?


That’s the kind of risk property surveys are designed to manage. While a mortgage valuation checks if a home is suitable for lending, a survey digs deeper into the property itself — helping buyers make confident, informed decisions.

This article explains the difference between a mortgage valuation and an independent survey, outlines the options available, and explores when it makes most sense to get one. We also look at how surveys can affect real purchase decisions, including two case studies from our clients.

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Why Specialist Advice Matters in Property and Tax Planning

Specialist Guidance Real Peace of Mind

When it comes to properties, mortgages, and taxes, even a small mistake can have serious consequences. A recent high-profile example was the resignation of Angela Rayner, the UK’s Deputy Prime Minister and Secretary of State for Housing, Communities and Local Government, after an error with her own stamp duty bill.

Had she taken specialist tax advice at the right time, the story might have been very different. This is exactly why at Nachu Finance, we believe in seeking specialist opinion whenever circumstances move beyond the standard and straightforward.

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Tax Year Overview: What It Is, Why It Matters for Your Mortgage, and How to Download It

Tax year Overview

When applying for a mortgage, especially as a self-employed individual or landlord, one document that often causes confusion is the Tax Year Overview (TYO). Many clients aren’t aware of what this document is, how it differs from the tax calculation, or how to download it correctly from the HMRC website.

Let’s clear up the confusion and walk you through what a Tax Year Overview is, when it’s required, and how to avoid common mistakes when submitting it.

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Transfer of Equity: Mortgage Implications, Costs, Tax & Legal Process Explained

Residential Mortgage

Transfer of Equity (TofE)is the legal process of changing the ownership of a property by adding or removing names from the title. Unlike a sale and purchase transaction, at least one of the existing owners continues to remain on the title. While the actual legal work is carried out by a solicitor, mortgage advisers like us often get involved—because the names on the mortgage must reflect the updated ownership. This article explores the key aspects of a Transfer of Equity and when it might be relevant.

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