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Sheffieldmoneyman Spring Budget 2021 Update

Rishi Sunak’s second Budget as Chancellor brought two pieces of welcome news for the property sector as the Government attempts to transform “Generation Rent” into “Generation Buy” to help stimulate the UK economy, namely the new 95% Mortgage Guarantee and an extension of the Stamp Duty Holiday.

95% Mortgage Guarantee

The name of this scheme is misleading as not everyone that applies is guaranteed to be offered a mortgage, it is still subject to affordability and credit score. The “guarantee” itself is that the Government will ensure Lenders don’t stand a loss if they grant a 95% mortgage to a customer who then subsequently falls into arrears and is repossessed leaving behind negative equity.

This scheme should in theory give Lenders more confidence to lend even though the applicant only has a smaller deposit to put down. Of course, Lenders never want to repossess someone’s home unless it is the last resort, but if that happens then the new scheme would cover any shortfall.

Lenders have been worried about the prospect of home values decreasing so this measure should alleviate that concern although of course, the chances of negative equity occurring will naturally reduce should property prices increase as a result of these announcements!

The scheme is available to both 1^st Time Buyers and Home Movers, it’s available on any property (not just new build) and will run until December 2022. Some major High Street Banks have already signed up to the scheme and it’s likely more will follow later on. It’s still a big challenge for Lenders to cope with the demand they are getting for mortgages due to the difficulties training and supervising staff working from home but they will want to offer as many of these mortgages as they can.

Stamp Duty Holiday Extension

When the Stamp Duty Holiday was launched last year we all hoped life would be very much back to normal by the cut-off date of 31^st March 2021 but things didn’t pan out that way as we know. Solicitors are struggling to keep up with the workload and if lots of chains had collapsed then it would have partly defeated the object of the exercise.

Therefore it was good to hear the scheme has been extended to 30^th June for purchases up to £500,000 and 30^th September for purchases up to £250,000.

The Government certainly sees the property sector as an area that can play a big part in our economic recovery and if you are looking to buy a home or remortgage this year please reach out and we will be happy to advise you.

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We are a Mortgage Broker in Barnsley. Were here to provide help & guidance throughout the whole mortgage process. With having over 11 years’ worth of experience we know everything mortgage-related. Approaching an experienced Mortgage Broker in Barnsley like ourselves will allow you to get through the mortgage process with comfort and ease. That’s exactly what you want! We will try and take all of the stress away. Allowing you to sit back and relax whilst we find you the best mortgage deals.

We are a Mortgage Broker in Barnsley and we are here to provide help & guidance throughout the whole mortgage process. We have been in this business for over 11 years now and we are know everything mortgage. Approaching an experienced Mortgage Broker in Barnsley like ourselves will allow you to get through the mortgage process with comfort and ease. That’s exactly what you want! We will try and take all of the stress away and allow you to sit back and relax whilst we find you the best mortgage deals.

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A Mortgage Advisor in Barnsley will search through thousands of mortgage and remortgage deals on your behalf. They will go above and beyond for you until they have found the perfect deal that is best suited to your individual circumstances. No hurdles are ever too big to overcome, we will always try our best to get over them.

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You choose how you want to communicate with us. Do you want to meet face to face with a Mortgage Advisor in Barnsley? Talk over the phone or through email? It is completely up to you, we want you to feel comfortable at the end of the day. We hope to hear from you soon!

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