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Found 3 results

  1. Hi All,I'm just after a bit of advice really. My partner and I had reserved a new build prior to COVID using the HTB scheme and had a mortgage offer ready to go for exchange but the pandemic struck. The build was then stopped and completion window moved from initially Aug-Sep 20 to Jan-Feb 21. Unfortunately my partner has been furloughed and this mortgage offer has since expired. We therefore haven't exchanged and will be unable to do so without a mortgage offer. We are trying to arrange for another mortgage offer but despite being way under the possible affordability threshold of our mortgage
  2. Hi all, This is my first post and I hope someone can help! My gf and I is looking to buy our first BTL property under a limited company and I understand that we will need to do personal guarantees against the mortgage (which is fine). We both have our own residential mortgages , however, she has a help to buy equity loan on hers. I understand that with HTB you can’t own another property until you have paid off your existing equity loan (or sell the property) . Is this also the case if the property is purchased under an ltd company as it is a separate entity? Many thank
  3. Morning folks I bought a property jointly 50/50 with my brother. This was before the rules about Help to Buy and 3pc surcharge were in place. My wife and I live here now and we want to buy my brother out. My wife has been saving in a help to buy ISA and has no other property in her name. What are the implications of transferring equity from my brother to my wife? 1. Stamp duty payable on 50pc of market value? 2. Stamp duty payable on 50pc of mortgage outstanding? 3. 3pc surcharge applicable? 4. Will she benefit from the
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