What is IR35 and what do you need to do?

As if you don’t have enough to worry about, IR35 comes along and adds to the load. Don’t worry though, we are here to help. Being a self-employed contractor or freelancer, IR35 is something that definitely affects you and it can be overly complicated for no reason.  In this article we are going to break down what IR35 is exactly, …

Buy to Let Properties: Personal vs Limited Company

With savings rates plateauing at a low ebb, investing in property continues to be a more desirable, more yielding choice.  There’s a lot to consider when purchasing a Buy-to-Let property: What sort of tenants do you want to have? Will you manage the property, or will you recruit a letting agent? Will you be able to secure a buy-to-let mortgage? …

Now is the time for First Time Buyers

‘Generation Rent’ is a term you may well be familiar with by now. With the average first time buyer now being in their early thirties, it certainly seems that more and more people are struggling to get onto the property ladder, and instead are living with their family or renting for longer. Staying at home with Mum & Dad or …

Should I wait for Brexit to buy a house?

At least once a day I am asked this question by clients and I don’t blame them for it. Brexit is a confusing political mess that has made everyone, including the government, uncertain of what will happen in October. You can go to ten different sources quoting experts and you’ll read ten separate opinions. Nobody can be certain what will …

The initial steps for first time buyers

Do you want to be a first time buyer? It can be daunting when trying to get on the property ladder, there are many things you need to consider when deciding your plan of action. In this post I’m going to go through the initial steps you need to follow, which will ensure you are not going in completely blind! …

Should you remortgage your home?

Deciding to remortgage your current home is a big decision, and as such, deserves some real thought and planning ahead. In this article, I am going to break down the reasons you should remortgage your home and counter my own arguments with the reasons you shouldn’t! I’m hoping I can get you into the correct mentality in order to make …

5 Perks Of Having a Good Credit Score

If I could go back in time and give a piece of wisdom to my younger self, it would most definitely be about credit score! Generally we are not taught it in school, college or even university, which when you take a second to think about that…is ridiculous. It’s not only until we get old enough and we need a …

5 Easy Ways To Save More Money In 2019

Happy New Year! I hope you all had a great one. I don’t really believe in New Years resolutions, as I feel you’re setting yourself up for disappointment when you inevitably stop doing them halfway through the year. Instead, let’s try to look at it as a life change, for your entire life! For me, I want to save more …

How to get a mortgage as a freelancer or contractor

Being a contractor or freelancer offers you much more flexibility and independence, but also makes your income and working circumstances uncertain and this can influence a lenders’ decision when considering your application for a mortgage. If you’ve gone to a bank to discuss mortgage options, they have probably told you it’s required to have 2-3 years of company accounts to …

How to boost your credit rating with these 5 easy steps

Thinking about your credit rating can be daunting: what does it mean? What affects it? If it’s low, how does that affect you? There are many sources of information out there, but sometimes they are urban myths, or semi-truths that don’t really reflect how credit ratings work. In this article we are going to briefly outline how your credit rating …