Tim Leonard
Tim draws on 20 years’ experience at Virgin Money, Moneyfacts and Future to pen articles that always put consumers’ interests first. He has particular expertise in mortgages, pensions and savings.
Articles by Tim Leonard:
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How to qualify for first-time buyer stamp duty relief
Saving for a first home can be challenging but what if stamp duty could be scrubbed off your list of costs? Well, qualify for first-time buyer stamp duty relief and this tax on buying a new home can be avoided altogether, or at least reduced.
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Should I rent or buy a house?
Your finances play a big part in whether you should rent or buy, but given the choice, what is best for you? Renting won’t tie you down, is quick to arrange and doesn’t require a big deposit, but buying means you’ll have a home to rightfully call your own that you can do with as you please.
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A beginner’s guide to investing in property
Property investment funds are a simple way to gain exposure to bricks and mortar, but rental properties and property development could be alternatives if your finances allow. Read on to learn how you could invest in property, and which option might be right for you.
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What is a shared ownership mortgage?
Buying a home is rarely easy, but what if a shared ownership mortgage made getting a home loan more affordable? You’ll only own a share of the home at the start, and will need to pay some rent at the same time, but will have the chance to ‘staircase’ your way to full ownership if you wish.
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First Homes scheme - How it works and could you benefit?
The First Homes scheme aims to help local and key worker first-time buyers who have been priced out of buying locally onto the property ladder. The price you’ll pay for a First Homes property will be at least 30% lower than the market value, but there are a number of boxes to tick to qualify.
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The government’s Rent to Buy scheme: What you need to know
The government’s Rent to Buy scheme provides would-be homeowners with a way to bridge the gap between renting a property and owning one. Read on for more information about the Rent to Buy scheme, and to find out whether it could help you.
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How to get a mortgage with a gifted deposit
A gifted deposit is when parents or a close relative give you money towards a mortgage deposit with no strings attached. Lenders usually require a gifted deposit letter from the gifter to confirm you don’t need to pay the money back.
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Should you pay off your mortgage early? Here’s 6 ways to make it happen
Most homeowners would like to pay off their mortgage early, but is it always the right thing to do? Here’s how to find out if you should overpay, along with six ways you could secure mortgage freedom much faster.
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