Phil Perry

Offset Mortgages.

Tue, 03 Feb 2009 00:00:00 GMT

originally published June 2007.
Offset mortgages have seen significant growth in popularity in recent years and were worth £29.3bn in 2006 the equivalent of 7% of all new lending so says a report from the Council of Mortgage Lending.More...

What will it cost me?

Sat, 31 Jan 2009 00:00:00 GMT

Originally published May 2007.
The Bank of England Monetary Policy Committee voted unanimously to raise interest rates earlier this month, although according to the minutes of the meeting some members questioned whether the increase should have been greater than 0.5%.More...

Mortgage debt and using a trust.

Sat, 31 Jan 2009 00:00:00 GMT

Originally published June 2007.
Let’s face it, property prices have risen over recent years to such an extent that a lot of us are now in a position where Inheritance tax (IHT), may become an issue. Even the increase in the Inheritance tax nil rate band has had minimal effect on our liabilities.More...

Self Invested Personal Pensions.

Thu, 29 Jan 2009 00:00:00 GMT

Originally published May 2007.
Self-invested personal pensions (Sipp pension) offer far greater flexibility than ordinary personal and occupational pensions because you can hold many types of investment in them.More...

Variety is the Key?

Sat, 24 Jan 2009 00:00:00 GMT

Originally published May 2007.
I’ve been asked quite a bit lately, “what options exist that will save money on mortgages? Most people’s considerations only go as far as reducing the term or increasing payments in order to finish the loan sooner. So, I thought I would provide another variation for you.
More...

One and the Same?

Thu, 22 Jan 2009 00:00:00 GMT

Originally published April 2007.
The UK’s love affair with property continues unabated and equity markets, although performing well after the three-year bear market, are a distant second place. The demise of final salary schemes and the purported £27bn savings gap means that retirees will often end up asset rich but cash poor, and the concept of unlocking cash from their homes to enhance the golden years is attractive.More...

Property Investments

Mon, 19 Jan 2009 00:00:00 GMT

Originally published April 2007.
The Buy to Let market is becoming saturated and property prices are increasing to such an extent that affordability is becoming a major issue for some people, what other options for property investment exist for me? More...

Fix or gamble?

Mon, 19 Jan 2009 00:00:00 GMT

Originally published April 2007.
We are entering yet another period of uncertainty as it is widely anticipated that interest rates will increase very soon. The direction of the next interest rate decision will be determined by a number of conflicting influences from across the UK economy.More...

Temptation or Consolidation?

Fri, 19 Dec 2008 00:00:00 GMT

Originally published April 2007.
The Bank of England has chosen to maintain the base rate at 5.25% again, which is good news for the majority of mortgage holders. Unfortunately, low interest rates, also makes debt consolidation an easy prospect.More...

Inheritance Tax!

Thu, 18 Dec 2008 09:33:33 GMT

Originally published March 2007.
On Wednesday last week, Chancellor Gordon Brown wrote his “final budget” prior to his obtaining the keys to Number 10 (in his mind anyway).More...