Gavin Richardson - Blogs

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  • The cheapest ways to pay for property improvements



    Spring is here (finally). The sun is shining. It’s the time of year when home-owners and landlords start thinking about improving and adding value to their properties. But what is the cheapest way to pay for improvements? Gavin Richardson, looks at the options?

  • Are you prepared for interest rate hikes?



    Many experts predict that the base rate will be raised in May and this could be followed by further rises in the months to come. If hikes do materialise, will your monthly mortgage payments rise? Will you be able to afford it?

  • Five reasons why 10 year fixed rate mortgages make sense



    Whether you’re looking to remortgage, move to a new house or take your first step onto the property ladder, there has never been a better time to consider taking a 10 year fixed rate mortgage, as Gavin Richardson, Head of Residential Mortgages explains.

  • Personal or Ltd Company ownership of buy to let property?



    Income tax relief on buy to let mortgage interest is being restricted but is it more tax efficient to operate your portfolio using a limited company? Expert buy to let mortgage adviser Gavin Richardson compares the options.

  • Limited edition offset buy to let mortgage



    Offset mortgages are popular and commonplace for home-owners because they can reduce monthly payments and help to pay off the mortgage early. But an offset buy to let mortgage? As far as I know, there is only one currently available. I doubt it will be around for long, so take a look now.

  • Remortgaging your home to raise buy to let deposit



    If you’ve been thinking about taking the plunge and have decided that 2017 is your year to enter the buy to let market or you are considering what else, you could do to compensate for the record low returns on cash investments and savings, the following paragraph may help you decide and the rest of the article may just get you started…