tax payer

tax payer

Want a mortgage? Don’t eat steak!

12 May, 20140 Comments
It emerged last night that mortgage applicants are being asked ‘Spanish inquisition’ style questions, including whether they play golf or eat steak. Some interviews have lasted up to 3 hours where applicants have been quizzed over the price of haircuts, their plans for more children and even their hopes of a pay rise. These questions
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Lifestyle quiz to secure a mortgage comes into force today

26 April, 20140 Comments
From today, new rules come into force that mean borrowers across the EU will be refused a mortgage if they fail a standard affordability assessment. According the the Financial Conduct Authority (FCA) the Mortgage Market Review (MMR) will ‘put common sense at the heart of the mortgage market and prevent borrowers ending up with a
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Government says benefit claimants more responsible than workers

31 March, 20140 Comments
The majority of the Mortgage Market Review changes will come into effect on 26th April 2014, where new rules will mean that borrowers across the EU will be refused a mortgage if they fail a standard affordability assessment. Please read : Mortgage Market Review explained by the FCA. Please read : How will the Mortgage
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£140 million wasted on welfare reform IT systems that don’t work!

07 November, 20130 Comments
The DWP has been slammed by a cross-party committee regarding a ‘shocking lack of financial control’ over the governments ‘flagship’ Universal Credit programme. Universal Credit, which aims to roll several benefits into one single payment made direct to the claimant, has been scrutinised by The Public Accounts Committee – saying that any deadlines for the
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Could the Help to Buy Scheme cause a bubble? Do you care?

04 October, 20130 Comments
Help to Buy is a government scheme that aims to make getting on to, or moving up, the housing ladder more accessible to existing home owners and first time buyers by purchasing a home with as little as a 5% deposit.  Using Help to Buy there are two ways to purchase a property, up to
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An open letter to the mainstream media

14 March, 20134 Comments
With the controversy around Universal Credit becoming almost explosive and as rent arrears mount up & the housing benefit monies are spent on other things (drink, drugs, pay day loans, etc – which are extremely detrimental to ALL of our communities) Landlord Referencing Services are now seeing a massive influx of landlords AND letting agents
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Free deterrent to troublesome households within the PRS

23 January, 20130 Comments
A government report has found that councils are wasting billions of pounds, by not intervening with anti-social families more effectively. Local Government Secretary Eric Pickles has published new findings showing the huge savings that can be made for the taxpayer from turning around troubled families, by intervening more effectively in problem households. The Department for
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