Stamp Duty Land Tax is a fee that must be paid when you purchase a property. The amount you pay can be quite significant and you will have to budget for this when considering how much deposit you need to buy a house.
Stamp duty rates are the same in England, Wales and Northern Ireland, but different rates apply in Scotland so make sure you choose the right option from the drop down box on our stamp duty calculator.
If you’re buying a second property such as a rental or second home, you should be aware that the new higher rates of stamp duty land tax are now in effect and please tick the box on the right hand side to ensure this is taken into the calculation.
Total stamp duty as a percentage of the purchase price: %.
Buying a house is one of the most important and probably the largest investment you may make.
Watts have a comprehensive range of mortgages from across the market and look to get you a great deal when you are looking to move home.
We can search the WHOLE UK MARKET to get quotes from High Street lenders such as Santander, The Woolwich, Nationwide, NatWest and more.
Secured loans or second mortgages can be an alternative to re-mortgaging.
For most people getting their finances in order is an important starting point for their self build project.
Where appropriate we can refer you to our sister company, Watts Commercial Finance Ltd. which provides advice on Commercial lending.
For some people, one of the most profitable long-term investments might be purchasing property.
Whether that is some general modernisation or some essential repairs that you need to get done, we have a solution for you.
A regulated bridging loan is a form of short term funding secured by a charge on a borrower’s residential property until next stage financing is secured.
With advances in medical care more and more people are now surviving illnesses once thought to be fatal.
Protection insurance is designed to help when the things we hope will never happen to us, do!
Protecting your future is important and Income Protection can protect your income and make sure that money is there when you need it most.
This cover can give you the peace of mind of knowing that in the event of redundancy or illness your mortgage payments will be made.
Your home is probably the largest single financial commitment you will make in your lifetime, so protecting it is so important.
You insure your car, your home, and your valuables - isn’t your health the most important asset of your life?
Relevant life insurance is a tax efficient way of a company providing life insurance for its employees, including directors of limited companies.
Directors’ shareholder protection is insurance that is specifically designed to ensure that should one the shareholding directors die or be diagnosed with a terminal illness the remaining shareholders will have access to sufficient capital to buy the deceased’s shares from his/her estate.
Key person insurance helps safeguard a business against the financial effects of the death or critical illness of a key member of staff
Your initial mortgage consultation is obligation free. There will be a fee for mortgage advice of £695 of which £95 is payable when you apply, and we retain the commission from the mortgage lender. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.
Watts Mortgage & Wealth Management Ltd is directly authorised and regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No 624815 at www.fsa.gov.uk/register/home.do
More information is available on mortgages from the Money Advice Service. www.moneyadviceservice.org.uk
Where you have a complaint or dispute with us and we are unable to resolve it to your satisfaction then we are obliged to offer you access to the Financial Ombudsman Service. Please see the following link for further details www.financial-ombudsman.org.uk
Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
The FCA does not regulate some forms of mortgages. The FCA does not regulate taxation advice, trust advice and some forms of buy to let mortgages.