Mortgages.scot

New Tax Guides

I have been asked a few times to create some guides on Tax in the UK. Many people are confused by the rules and, in fact, what taxes can affect the majority of us at some point in our lives. I have put a new section together for these.

Tax

Shared Appreciation Mortgage, what was it?

Shared Appreciation mortgages, what are they and why you need to be wary of them.

Shared
Appreciation

What is Fiscal Drag and how does it affect you?

Whilst discussing the budget recently, a friend mentioned that despite getting a decent salary increase due to the high inflation period we have been going through, he is paying more tax than expected and losing out on an allowance. Ah, I said. Fiscal Drag!

Fiscal
Drag

What is the Mortgage Credit Directive (MCD)

The Mortgage Credit Directive (MCD) has an effect in the UK but do you know why and what it is? This guide will give you a basic understanding of what MCD is and how it affects the property market in the UK.

Mortgage Credit Directive

Home Energy Performance Explained (EPC)

As we continue into 2023 with high energy costs expected to be a headline throughout the year, Energy Performance Certificates tend to be largely ignored by most homeowners in my experience. With changes in legislation coming along they are more important than ever.

EPC
Energy

Mortgage Underwriter – a role for you?

I have been asked a few times to do a guide on what is required and what it's like to be a mortgage underwriter. This is it, finally! Find out what it takes to do this job.

Underwriter

ClearScore - Free Credit Information

Maintaining a good credit score should be a focus for everyone. The better your credit score the easier it is to get credit and often lower rates. It can even tell you things you didn't know. ClearScore can help.

Clearscore

Register of Overseas Entities

The Register of Overseas Entities came into force in August 2022. What is it and is it working? The suggestion is not so well with close to half of the entities required to register doing nothing so far. Although that is not necessarily the whole story.

Guides

Home Energy Performance Explained

As we continue into 2023 with high energy costs expected to be a headline throughout the year, Energy Performance Certificates (EPC) are often in the news. I thought an article explaining these in more detail would help understand their purpose.

Guides

Freehold or Leasehold what do they mean?

Wherever purchasing a property in the UK it will usually be on a Leasehold or Freehold basis. It may even be a Leasehold with a share of the Freehold. What does this all mean for the purchaser? Let's find out.

Guides

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