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Seasonal changes to the housing market

The nights are beginning to draw in and there is a definite chill in the air and it's not just the seasons that are changing!

The stamp duty holiday has ended and rates have returned to pre-Covid levels. That means the point you start paying stamp duty will be £125,001:
  • £0-£125,000 = 0%
  • £125,001-£250,000 = 2%
  • £250,001-£925,000 = 5%
  • £925,001-£1,500,000 = 10%
  • £1,500,001+ = 12%
First Time Buyers are still exempt from Stamp Duty if the property is under £300,000

There are also suggestions that mortgage rates may start to climb in the coming months. If you're on a tracker or standard variable rate you'll see your monthly mortgage payments increase!
 
Get in touch before rates go up

AFFS team up with Service Family Insurance

We are so pleased to announce that we have teamed up with Services Family Insurance to be able to offer our clients Military & Professional Insurance

Military Insurance

Services Family Insurance provides military kit and contents for MoD accommodation online. Its quick and easy to get a quote. Remember its a policy that moves with you when you move. If you live in your own home give Services Family a call – they can cover that too.

Professional Insurance

Many of our spouses now have small business (some from home) and we have teamed with Services Family Insurance who provide business liability and professional indemnity polices for hundreds of roles, from child minders, to builders or consultants.

Homeowners nearing the end of their deals urged to lock in as inflation may bump up rates
Find out more
Mortgages
Finding you the most suitable mortgage for your needs
Find out more
Nationwide sign up to 95% LTV lending through the Deposit Unlock mortgage indemnity scheme
Find out more
Forces Help to Buy
The scheme to help forces personnel get on the property ladder
Find out more
Insurers report a surge in demand for financial protection such as life insurance and critical illness cover.
Find our more
Insurance
Tailor made cover to keep you and your family safe
Find our more
Get in touch
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Armed Forces Financial Services is a trading name of TIMC Independent Financial Advisers Limited which is authorised and regulated by the Financial Conduct Authority No 439451

Copyright © 2021 Armed Forces Financial Services, All rights reserved.


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Armed Forces Financial Services · The Elwick Club · Church Road · ASHFORD, Kent TN23 1RD · United Kingdom

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