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Can I really get tax free income with the Rent a Room scheme?

Can I really get tax free income with the Rent a Room scheme?

Under the rent-a-room scheme, it is possible to earn tax-free income from letting out a furnished room in your own home to a lodger. You can even use the scheme if you run a bed-and-breakfast or a guest house. Rent-a-room is not available if the room is unfurnished, or if you let accommodation in a […] Read More

What is the difference between Joint Tenants and Tenants in Common?

What is the difference between Joint Tenants and Tenants in Common?

Joint tenancy is the most common type of joint ownership – it is the default type. In simple terms it means that each joint owner owns 100 per cent of the property – there is no division of the property. On the death of any joint owner, the surviving joint owner(s) will take over full […] Read More

Should I Use a Mortgage Broker?

Should I Use a Mortgage Broker?

Author: Prop Linq This question is often asked by first time buyers and with the complex nature of mortgages it is no surprise. So let’s dig into this. The simplest way to apply for a mortgage is to walk into your local bank or credit union and sit down with the branch mortgage broker. He […] Read More

The Prop Linq Podcast- Episode 0 – Introduction

The Prop Linq Podcast- Episode 0 – Introduction

Hi everyone, Welcome to the Prop Linq Podcast with your Host Olivia Onu. This Platform will give you guys an inside look into the property finance industry. My goal is to use my knowledge to provide some insight into all areas within the property industry which can often be a mindfield. I want to share […] Read More

More Brits invest in holiday homes across UK

More Brits invest in holiday homes across UK

Brits are investing in their own staycation spaces at a record-breaking pace, ahead of the autumn and winter months, according to holiday home operator Park Leisure. YouGov data shows that over three quarters of Brits (77%) have no intention of travelling abroad this year. In fact, 43% say they intend to take more or the […] Read More

‘HMRC investigation into Airbnb landlords may be last straw for short-term letting growth’

‘HMRC investigation into Airbnb landlords may be last straw for short-term letting growth’

The upcoming investigation by HM Revenue and Customs (HMRC) into Airbnb landlords could result in a significant exodus of landlords from the short term letting sector, property management firm Apropos has warned. Airbnb has passed on the financial transactions of 225,000 people who rent out homes and rooms through its site, which could potentially result […] Read More

ARLA: Landlords can serve Section 8 notice twice, if needed

ARLA: Landlords can serve Section 8 notice twice, if needed

A legal expert for ARLA Propertymark has said letting agents and landlords should consider serving a second Section 8 notice if rental arrears accrue to more than six months of missed payments, even if their original Section 8 has yet to come into force. This is because of a crucial change at the six months […] Read More

A quarter of home-owners are worried they will not be able to renew their mortgages

A quarter of home-owners are worried they will not be able to renew their mortgages

A quarter (23%) of home-owners are worried about renewing their mortgage during the pandemic, a poll from specialist broker Willow Private Finance has found. A third (32%) said their income was less secure now than before the pandemic, while more than one in 10 (12%) had to take a payment holiday during COVID. The proportion […] Read More

Life insurance, Mortgage Protection, Critical Illness &  Income Protection for Dummies!

Life insurance, Mortgage Protection, Critical Illness & Income Protection for Dummies!

Level Term Life Insurance This is the cheapest and most basic form of life insurance. A Type of insurance that only pays out a cash sum if you pass away before a specified time frame (the term) The amount paid out to your estate remains the same (level) whether you die at the start or […] Read More

Mortgage lenders explain sluggish application times

Lenders are taking longer than usual to handle mortgage applications, much to the frustration of potential homebuyers and their brokers. This has been blamed on strong demand, Covid-19 heightening application complexity and, with buy-to-let, a difficulty in scheduling surveyor visits to tenanted properties. At the time of writing Santander is taking 26.2 working days for […] Read More

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