An Equity Release Mortgage can offer all sorts of freedoms, like unlocking the money tied up in your home and the lifestyle benefits for you and your loved ones. But it’s not all good news. Equity Release can stack up a lot of interest and put unfair pressure on your children. What is a Lifetime [...]
As we see Councils buying back ex council homes to add to rental stock the next sell off will be in public land or buildings Part 5 of the Community Empowerment (Scotland) Act 2015 commenced today and has the potential to impact on anyone transacting with a public body. Part 5 of the Act provides [...]
Buy–to–let portfolio holders with more than 4 properties will be subject to cross portfolio checks to prove their overall borrowing still affordable. This continues the pressure on private landlords as the Government seeks to reduce the amateurs in the sector and pushes to release housing back for owner occupiers and move renters into dedicated PRS [...]
Limited companies and LLPs are a lot alike, especially when it comes to the financial responsibility of the owners. However they differ when it comes to things like capital investment opportunities, the flexibility of the internal structure, members’ rights and the way business profits are allocated and taxed. So it’s important to choose the right [...]
Older people have always been a go-to target for financial abuse, especially now that new technology is exposing new vulnerabilities. According to Age UK, tens of thousands of older people are at risk of financial abuse, especially those with dementia or reduced cognitive functions. Now the charity is calling on banks and other organisations to [...]
It's commonly understood that business owners are the underlying foundation of our economy. Furthermore, their assistance in the economies recovery and increase in employment over the last five years was profound. Of course, all of this effort to stabilise the economy was taken with many risks to both business and personal financial security. This risk [...]
H M Government’s launch of the Help to Buy ISA on 1st December 2015, has given many potential First Time Buyers the opportunity to save up to £12,000 and to then benefit from a 25% boost from the Government. In order to benefit from the maximum bonus of £3,000, individuals will have to save for [...]
If saving to buy your first home, why not take advantage of the new Help to Buy ISA sponsored by HM Government, launched on 1st December 2015. Your savings will be boosted by 25% if you have accumulated over £1,600 in your ISA up to a maximum of £12,000, representing a bonus of between £400 [...]
The trade of alcohol is a notoriously difficult industry. Not only is it constantly evolving, incredibly competitive and at the whim of the economy, but it is also mired in bureaucracy. For a key member of staff to lose their personal licence due to the simple error of missing the refresher training requirement can be [...]
Central 1 bed flats have formed part our own investment strategy for the last 20 years and we have constantly recommended these as an entry level for any would be investor. Tenant demand is constant due to Edinburgh having a large transient population and of course the increasing number of single person households. Gorgie/Dalry is [...]