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What will 2017 bring in respect of interest rates?

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Happy new year to you all.

What will happen to interest rate during 2017?

If somebody had asked in January 2016 what would happen to interest rates during 2016 most people would have said that if they moved they would more likely increase

What did happen to interest rate in 2016? well base rate moved for the first time in many years but not up but down by 0.25% to 0.25% following Brexit. This was followed by fixed rates for mortgages reducing across the board.

HOWEVER during the last quarter there have been increases to fixed rates. Most economists are predicting that the end of the lowest fixed rates and recommending that mortgage holders consider re mortgaging on to a fixed rate rather than remaining on a current standard variable rate.

We are here to help and being whole of market can search 1,000's of products. If you want to talk about your options and see if we can save you money please give us a call on 01204 696886 or send us an email with your details to sales@advancedmortgagesolutions.co.uk

All the best for 2017.

 

 

Changes re Stamp Duty on Buy to let

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If interested in purchasing an investment property to let out or a second home please be aware of the new stamp duty being brought in by the Government and the deadline to complete a purchase to avoid having to pay this extra tax.

Please note if the purchase does not complete by the deadline then stamp duty will be payable at the new rates irrespective of when the proposed purchase commenced.

Therefore if a mortgage is required it is important to consider the timescales involved as it is anticipated lenders will be busy over the next 3 months which could see turnaround times increase.

Time to Fix your mortgage rate?

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If you read the financial press and listen to Mark Carney from the Bank of England the signs are that interest rates are likely to rise in the near future. Economists are divided as to when this will be, some saying late this year others by Spring 2016.

What is clear is that some lenders are preparing for this now, as over the last few days there has been evidence that they have been increasing their fixed rates across the board.

So if you have been thinking about switching to a fixed rate now is the time to consider taking this further to ensure you don't miss out on the better deals. 

Self employed applicants

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It has become apparent recently that going forward mortgage lenders are asking for copies of tax overviews in addition to finalised accounts and SA302's.

Therefore if you know you are going to be applying for a mortgage it is worth planning ahead and obtaining the above as they will be required to enable research and any decision in principle to be undertaken.

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