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Green mortgages
A recent survey1 has revealed that four out of five (83%) people have no understanding of green mortgages. Each lender’s criteria will differ, but typically they may offer a discounted rate, or cashback, if a property has an Energy Performance Certificate (EPC) rating of A or B. The government has passed legislation requiring the UK to be a net zero emitter by 2050 and as housing currently makes up 20% of emissions and around two thirds of owner-occupied homes have an EPC rating below C, it is a significant area that needs improvement.
Accidental landlords – on the rise
Recent uncertainty in the property market has seen many London homeowners become ‘accidental’ landlords has vendors decide to move their properties to the rental market, either after failing to sell or deciding they want to hold out for a better price. One estate agent2 has reported that there are around 35% more rental properties on the market compared to the same time last year.
1MAB, 2022
2Chestertons, 2022
It is important to take professional advice before making any decision relating to your personal finances. Information within this document is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for guidance only. Some rules may vary in different parts of the UK. We cannot assume legal liability for any errors or omissions it might contain. Levels and bases of, and reliefs from, taxation are those currently applying or proposed and are subject to change; their value depends on the individual circumstances of the investor. No part of this document may be reproduced in any manner without prior permission.
The value of investments can go down as well as up and you may not get back the full amount you invested. The past is not a guide to future performance and past performance may not necessarily be repeated. If you withdraw from an investment in the early years, you may not get back the full amount you invested. Changes in the rates of exchange may have an adverse effect on the value or price of an investment in sterling terms if it is denominated in a foreign currency.
Information is based on our understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from, taxation are subject to change.
Tax treatment is based on individual circumstances and may be subject to change in the future.
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