UK Housing Market

Deposit-free mortgages: first-time buyers can still get helping hand

Deposit-free mortgages: first-time buyers can still get helping hand

construction

North-west construction market hots up giving Brexit the cold shoulder

house price

House price growth being held up by Northern Powerhouse

Court case

Record fine highlights importance of HMO licences and compliance

new-build

Looking to buy a new-build? There’s a new mortgage for you

First-time buyers have a lot to learn about buying property…

First-time buyers have a lot to learn about buying property…

The UK’s second cities have plenty of room for growth for investors

The UK’s second cities have plenty of room for growth for investors

Leeds

Leeds South Bank area to be revitalised with £350m development plan

Bad Tenants, Rogue Landlords highlights dangers of fake references

Bad Tenants, Rogue Landlords highlights dangers of fake references

Labour

What a Labour government would do to the UK’s housing market

Mortgage rates HMO

UK Housing Market

A busy month for mortgages: homebuyers and movers hit record 50,000

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Birmingham

West Midlands house prices soared over past year as London slumped

landlord hmo

Is buy-to-let still lucrative for landlords despite the barriers?

Mortgage

Borrowers needing a higher LTV benefiting from lower mortgage rates

Manchester property

North-west sees highest annual house price rise in latest figures

smart

Housing sector moving towards proptech and smart home technology

Self-certified Sophisticated Investor

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I declare that I am a self-certified sophisticated investor for the purposes of the restriction on promotion of non-mainstream pooled investments. I understand that this means:

I can receive promotional communications made by a person who is authorised by the Financial Conduct Authority which relate to investment activity in non-mainstream pooled investments;
the investments to which the promotions will relate may expose me to a significant risk of losing all of the property invested.

I am a self-certified sophisticated investor because at least one of the following applies:

(a) I am a member of a network or syndicate of business angels and have been so for at least the last six months prior to the date below;
(b)I have made more than one investment in an unlisted company in the two years prior to the date below;
(c) I am working, or have worked in the two years prior to the date below, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises;
(d) I am currently, or have been in the two years prior to the date below, a director of a company with an annual turnover of at least £1 million.

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me seek advice from someone who specialises in advising on non-mainstream pooled investments.

High Net Worth Investor

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I make this statement so that I can receive promotional communications which are exempt from the restriction on promotion of non-mainstream pooled investments. The exemption relates to certified high net worth investors and I declare that I qualify as such because at least one of the following applies to me:

I had, throughout the financial year immediately preceding the date below, an annual income to the value of £100,000 or more. Annual income for these purposes does not include money withdrawn from my pension savings (except where the withdrawals are used directly for income in retirement).
I held, throughout the financial year immediately preceding the date below, net assets to the value of £250,000 or more. Net assets for these purposes do not include:
- (a) the property which is my primary residence or any money raised through a loan secured on that property; or
- (b) any rights of mine under a qualifying contract of insurance; or
- (c) any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be, entitled; or
- (d) any withdrawals from my pension savings (except where the withdrawals are used directly for income in retirement).
I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on non-mainstream pooled investments.

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