Property Market Review November 2016

Posted by siteadmin on Tuesday 29th of November 2016

Our monthly property market review is intended to provide background to recent developments in property markets as well as to give an indication of how some key issues could impact in the future.

 

Q3 sentiment improves

The recently released UK Commercial Property Survey for Q3 2016, from the Royal Institution of Chartered Surveyors (RICS), has revealed a gradual recovery in sentiment in the sector following the sharp deterioration experienced at the end of Q2, a direct result of the Brexit vote.

RICS reports that projections for rental...


Economic Review of October 2016

Posted by siteadmin on Tuesday 1st of November 2016

UK Economy Expands 0.5% in Q3

Recent data from the Office for National Statistics (ONS) estimates that the UK economy expanded by 0.5% in Q3 2016. Although slower than the 0.7% growth rate experienced in the second quarter, this was stronger growth than many analysts estimated, reducing expectations of an interest rate cut at the Bank of England’s next Monetary Policy Committee meeting on 3 November.

The ONS commented: “The pattern of growth continues to be broadly unaffected following the EU referendum. There is little evidence of a pron...


Property Market Review October 2016

Posted by siteadmin on Wednesday 26th of October 2016

Our monthly property market review is intended to provide background to recent developments in property markets as well as to give an indication of how some key issues could impact in the future.

We are not responsible or authorised to provide advice on investment decisions concerning property, only for the provision of mortgage advice. We hope you will find this review to be of interest

Commercial development activity positive

The commercial property development sector has experienced the strongest rise in activity in nearly a year, acc...


Would You Like to Pay Rent to Yourself?

Posted by siteadmin on Wednesday 19th of October 2016

How to buy the property: If you’re a business owner, would you rather rent or own your business premises? This is often achievable using a commercial mortgage funded by your existing pension pot. Rent is paid directly to the personal pension fund of the business owner, and increases in property value are free from Capital Gains Tax (CGT).

What can happen if the business already owns its property: A sale and leaseback arrangement with your pension plan releases cash for expansion, and rent is a tax-deductible expense.

Primary restriction: P...


Technology to Reduce Investment and Pension Running Costs

Posted by siteadmin on Wednesday 19th of October 2016

Outside the financial industry, relatively few people realise that ‘wrap platform’ technology has dispensed with traditional life insurance companies and simply reduced the cost of managing your money.

Buying investments direct
Anyone can buy institutional funds direct, using one of these platforms, and put it in a tax-efficient saving scheme. In fact, our wrap platform enables you to directly access a wider selection of investments.

Taking this a step further, if you liaise with a Scottsdale MoneyWISE adviser, they will apply a consistent ...


Warning: The Dangers of Remortgaging

Posted by siteadmin on Wednesday 19th of October 2016

Many people could save a substantial amount of money by remortgaging. However, please take heed of these warnings:

1)      The lowest interest rates can be loss leaders. For example, you might get a two-year fixed rate at 1.25% that jumps to 5% on your 25th payment. This means your interest payable per month will increase from £312.50 to £1250 per month on a £300,000 mortgage. These lenders rely on customer inertia to make huge profits, knowing some homebuyers or investors will not consider remortgaging early enough.

2)      Arrangement fe...


Property Market Review September 2016

Posted by siteadmin on Thursday 1st of September 2016

Our monthly property market review is intended to provide background to recent developments in property markets as well as to give an indication of how some key issues could impact in the future.

We are not responsible or authorised to provide advice on investment decisions concerning property, only for the provision of mortgage advice. We hope you will find this review to be of interest.

Rental Values Remain Static in August
Given the immediate fall-out of the Brexit vote, good news was heard from the latest CBRE Monthly Index of commercia...


Economic Review of August 2016

Posted by siteadmin on Tuesday 2nd of August 2016

UK Inflation Edges Higher
UK inflation, as measured by the Consumer Prices Index (CPI), edged higher in July rising from its previous level of 0.5% to 0.6%, according to the latest data from the Office for National Statistics (ONS).

Whilst remaining at historically low levels, this rise of just 0.1% was sufficient to record the highest inflation figure seen since November 2014.

The major factors behind these statistics were the increase in the price of motor fuels, alcoholic beverages and accommodation services. Food prices, although lower...


Property Market Review August 2016

Posted by siteadmin on Monday 1st of August 2016

Our monthly property market review is intended to provide background to recent developments in property markets as well as to give an indication of how some key issues could impact in the future.

We are not responsible or authorised to provide advice on investment decisions concerning property, only for the provision of mortgage advice. We hope you will find this review to be of interest.

Commercial Property Update


Foreign investors see a buying opportunity

Following the Brexit vote, even though over a third of commercial property deals...


Employers Should Proactively Avoid Pensions Chaos

Posted by siteadmin on Friday 1st of July 2016

Employers Should Proactively Avoid Pensions Chaos
Tens of thousands of employers are trying to set up auto-enrolment pension schemes every month. Some are starting to face the consequences of leaving it until the last minute – it’s a much more time-consuming job than they thought it would be.

Staging volumes by quarter

...
Employer size

Quarter (financial year)

Forecast volumes

Medium employers, 50-249 people

Q1 2014/15

15,900

Q2 2014/15

11,500

Q3 2014/15

1,200

Q4 2014/15


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