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What is a declaration of trust?

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What is a declaration of trust?

  If you’re a first-time buyer, different types of contracts and deeds can be confusing to understand. When buying a house with someone else, or if someone else has a beneficial interest in the property you purchase (such as a parent who has contributed towards the deposit), one option available…

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Help to buy ISA scheme simplified

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help to buy ISA

Although the news that the help to buy ISA scheme is to close in 2021 has some first-time buyers panicking, there is still plenty of time to take advantage of the government-lead scheme. For many, buying their first home will be the biggest financial step they’ll ever make. There are…

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Extra costs to budget for when looking to buy a house

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Extra costs when buying a house

If you’re buying your first home, there’s a lot to think about. From insurance to legal help, there’s a long list of paperwork and tasks to sort out, most of which will come with a price. For a first time buyer, costs such as these can add up quickly and…

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Changes to Welsh Stamp Duty Tax

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Welsh Stamp Duty

  As of April 2018, the UK Stamp Duty Land Tax will be replaced in Wales, with the Land Transaction Tax (LTT). This change aims to help Welsh land and homeowners, making their needs a priority. This change also benefits those looking to buy or invest in property in Wales,…

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A guide to negotiating a house price

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negotiating house price

If you’re looking to buy your first property, knowing what to offer can be confusing. It’s always tempting to offer the asking price to increase your chances of getting your dream home, but often, sellers are willing to accept a lower price. To find out more about how to haggle…

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A guide to wills for cohabiting couples

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cohabiting couples rights

A will can help you to provide that much-needed financial security for your partner and your family when you pass away. If you and your partner are unmarried you’ll have different cohabitation rights to those who are married or in civil partnerships. Being aware of these rights can help you…

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Who qualifies for shared ownership?

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shared ownership

Shared ownership provides a more affordable means of buying a home for those who may not be able to afford a traditional mortgage. However, there are certain criteria to be mindful of if you’re considering this option. For those who are unsure of who qualifies for shared ownership, look no further.…

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How soon after buying a house should you draw up a will?

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When to make a will

Purchasing a property is one of the most significant life events that you will go through during your adult life. For many, buying a home also prompts planning for future life events; for example, writing a will to make sure family and friends are cared for after you pass on.…

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Should a first time buyer purchase a flat or a house?

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Whether you’re looking for a new investment option or you’re ready to purchase your first home, it’s likely that you’ve toyed with the idea of purchasing a flat or house at some point during your search. Taking a detailed look at your options will provide you with all the information…

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How to research a neighbourhood before buying a house

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If you’re buying a property, there’s a never-ending list of things to consider. From arranging insurance to drawing up contracts, it’s important to make sure you’ve covered all bases before moving into your new home. One of the most difficult tasks on any buyer’s to-do list is figuring out how…

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