Blog

  • Help to Buy house
    Help to Buy Help to Buy

    Help to Buy

Help to Buy

Help to Buy is here!!! The Government’s Help to Buy Scheme is now fully in motion.  Here is what we think are the key facts you ought to know; Help to Buy 1 (Equity Loan) – this is only available for new build properties and minimum deposit is 5% to qualify.  You purchase and secure borrowing up to 75% of the property and the remaining 20% comes from a Government loan (first five years is interest free on the Government loan).  Rates begin from 4.49%. Help to Buy 2 (Mortgage Guarantee) – this is available for new builds and existing homes and minimum deposit is 5% to qualify.  This can be the only property you own (regardless if you have a mortgage or not) and a simpler transaction where you apply for a 95% mortgage and rates begin from 4.99%. Maximum property value in England is £600,000 and £400,000 in Scotland.

  • Landco_welcome_small
    Welcome to our new site Welcome to our new site

    Welcome to our new site

Welcome to our new site

We are delighted to announce the launch of our new website which we have tried to keep as simple and easy to navigate as possible.  We intend to provide regular updates on topical issues that may be of interest to you.

  • mark_carney
    Interest rates to remain low Interest rates to remain low

    Interest rates to remain low

Interest rates to remain low

New Governor to the Bank of England, Mark Carney, announced that he expects to keep interest rates low for the next three years.  Whilst this is good news account must be taken of the fact that interest rates are bound to rise at sometime in the future.  We see exceptional value at present in longer term fixed rates and we would encourage you to contact us for further information.

  • Landco_house_prices_small
    At last house prices in Scotland appear to be on the increase At last house prices in Scotland appear to be on the increase

    At last house prices in Scotland appear to be on the increase

At last house prices in Scotland appear to be on the increase

After years of declining values it now appears that house prices in Scotland are on the increase. Activity in the housing market has also increased which should give encouragement to homeowners looking to sell. The availability of lower deposit mortgages has helped first time buyers on to the property market.