Money
10 affordable ‘new towns’ for first time buyers where you need just £6,392 deposit
BRITAIN’S first-time buyer “new town” hotspots have been revealed and some boast properties which are around 15% cheaper than the national average.
More than two million people live in these areas, which were built by the government after World War II to provide homes for people whose properties were destroyed during the war.
It’s typically much cheaper to buy a house in these towns than in their surrounding region, saving first-time buyers money while helping them to get on the property ladder.
Peterlee in the North East has emerged as the cheapest new town to buy a first home in, with a typical property worth £127,853.
Buyers looking to purchase their first home can expect to spend around 41% less on their property than if they bought a typical house in the North East, which is worth £218,228.
A first-time buyer with a 95% mortgage and a deposit of just 5% would only need to save £6,392.65 to get their foot on the ladder.
Read more on house prices
Meanwhile, those who are able to save a 10% deposit would only need to put down £12,785.30.
Second on the list was Washington, which is also in the North East.
A typical home in the town costs £165,157, which is 24% less than the regional average.
New homeowners can save £53,071 by purchasing a property in Washington compared to the price of a typical home in the North East.
A buyer looking to purchase a home in this town would need to save £8,257.85 for a 5% deposit, or £16,515.70 for a 10% one.
In Scotland, Irvine is the cheapest new town to purchase a home in.
First-time buyers can expect to spend £178,322 on their first property.
To purchase this home they would need to save £8,916.10 for a 5% deposit or £17,832.20 for a 10% one.
Buyers looking to get on the housing ladder can expect to spend 27% less on their property than if they bought a typical house in Scotland, which is worth £243,707.
Glenrothes is another region where new homeowners can make a saving on their first property.
How to get the best deal on your mortgage
IF you’re looking for a traditional type of mortgage, getting the best rates depends entirely on what’s available at any given time.
There are several ways to land the best deal.
Usually the larger the deposit you have the lower the rate you can get.
If you’re remortgaging and your loan-to-value ratio (LTV) has changed, you’ll get access to better rates than before.
Your LTV will go down if your outstanding mortgage is lower and/or your home’s value is higher.
A change to your credit score or a better salary could also help you access better rates.
And if you’re nearing the end of a fixed deal soon it’s worth looking for new deals now.
You can lock in current deals sometimes up to six months before your current deal ends.
Leaving a fixed deal early will usually come with an early exit fee, so you want to avoid this extra cost.
But depending on the cost and how much you could save by switching versus sticking, it could be worth paying to leave the deal – but compare the costs first.
To find the best deal use a mortgage comparison tool to see what’s available.
You can also go to a mortgage broker who can compare a much larger range of deals for you.
Some will charge an extra fee but there are plenty who give advice for free and get paid only on commission from the lender.
You’ll also need to factor in fees for the mortgage, though some have no fees at all.
You can add the fee – sometimes more than £1,000 – to the cost of the mortgage, but be aware that means you’ll pay interest on it and so will cost more in the long term.
You can use a mortgage calculator to see how much you could borrow.
Remember you’ll have to pass the lender’s strict eligibility criteria too, which will include affordability checks and looking at your credit file.
You may also need to provide documents such as utility bills, proof of benefits, your last three month’s payslips, passports and bank statements.
An average house in the town is worth £194,691, which is £49,016, or 20%, less than a typical home in the region.
A 10% deposit would be equivalent to £19,469.10 while a 5% deposit would total £9,734.55.
In the South East of England, Basildon is the new town with the largest discount compared to regional property prices.
A typical home in the town costs £327,314, around £116,782 less than the price of a typical home in the South East.
A 5% deposit on a property in Basildon would cost £16,365.70 while a 10% one would total £32,731.40.
This is equivalent to a saving of 26% compared to the average cost of a home in the region, which is £444,096.
The full list of new towns which offer the biggest discount compared to their regions, with the average cost of a home is below:
- Peterlee, North East, £218,228
- Peterborough, East of England, £402,248
- Skelmersdale, North West, £264,362
- Irvine, Scotland, £243,707
- Basildon, South East, £444,096
- Washington, North East, £218,228
- Runcorn, North West, £264,362
- Harlow, South East, £44,096
- Glenrothes, Scotland, £243,707
- Cumbernauld, Scotland, £243,707
Amanda Bryden, head of Halifax mortgages, said new towns have played an important role in providing additional and affordable housing across the UK.
She said: “With the government’s ambitious plan to build a new generation of new towns, our research shows that while they offer homeowners the potential to benefit from significant price growth, they also present attractive opportunities for first-time buyers.”
The government has announced plans to build 1.5 million homes in England in the next five years, which could provide further affordable areas for first-time buyers.
What other first-time buyer schemes are on offer?
The First Homes Scheme was launched in 2021 to help prospective buyers to get a foothold on the property ladder.
Through the programme prospective first-time buyers in England can get homes at 30% and 50% discounted rates compared to market price.
But if the homeowner wants to sell the property in the future, the new value will be made available to any further buyer too.
These homes can be a new property built by a developer or a home bought through an estate agent, which someone else purchased through the scheme.
To qualify you must be aged over 18, able to get a mortgage for at least half of the price of the home and not earn more than £80,000 a year before tax, or £90,000 if you live in London.
Each council has its own criteria so you will need to check with your local one whether the scheme is available and if you qualify.
You can check who your local council is by using this tool.
Another option is a 95% mortgage, which lets you buy a property with a 5% deposit.
This means that you borrow 95% of the value of your home and pay 5% of what it is worth upfront.
Most banks will only let you borrow up to 90% of your home’s value, which means you need to save 10% of its price as a deposit.
This can be very difficult for many first-time buyers who may also be paying rent and other household bills at the same time.
Lenders including Halifax, Nationwide and NatWest currently offer 5% mortgages.
In some cases you will not be eligible to apply if the property is worth more than £600,000.
You also cannot combine a 95% mortgage with other housing schemes such as shared ownership, shared equity or Right to Buy.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
Money
How product providers should offer advice
Reading about M&G’s troubles, I can’t help putting them down to the obsession with running an expensive fund platform. But what do I know?
What I do know about is 21st century advice – something I believe is built on the shoulders of giants, such as the Man from the Pru.
These advisers door-knocked, cold called and worked evenings to get families started on a lifetime of saving and self-preservation.
So, why is offering advice so hard these days?
It’s a real shame such a historical institution as M&G cannot remain committed to solving the challenges of advice regulation while making a profit.
It’s a real shame such a historical institution as M&G cannot remain committed to solving the challenges of advice regulation while making a profit
There remains a huge advice gap opportunity for any company who can de-mystify the world of investment and help the man in the street access the wonder of compound interest, just like they used to.
Providing advice seems to terrify those around the board table. Is it impatience from shareholders, short termism on the part of directors or just fear of liability? Probably all three.
I have previously voiced support for a simplified advice regime which could be a gateway to the markets for low value investors taking advice.
To those providers pondering on leaving or entering the advice market, here are my suggestions for making it work:
- Reduce the hurdle of cash savings: Three months spending in cash can take five to seven years for people to save and it is not mandatory as emergency provision. This restriction serves the anxiety of compliance staff more than it serves the interest of investors, and it can be done better.
- Know the outcomes of what you are offering: Charges need to be competitive, and easily justified. Funds need to be liquid, transparent and dependable in their expected returns. Projections need to be realistic and not woefully cautious.
- Think about the liabilities: How will they arise? How is the compensation calculated? Which investors complain? What triggers the complaint? By looking at this in full detail, you can inform the quality of your messaging and have more investors with confidence.
- Get the box tickers out from their desks: Give them sales training, teach them to advise, make them talk to clients.
- Focus on service: Of £198,798 complaints to the Financial Ombudsman Service in 2023/24, £1,459 (0.7%) of them were against advisers. Why fixate so much on the nuances of suitability? With a simple and reliable product proposition, 90% of advice can be algorithmic – making it both efficient and profitable.
- Know your target market and sell to them: Financial services have been a huge contributor to prosperity in the UK. We should believe in the benefit of what we do.
The regulation of financial services in the UK has been a been a huge success in improving the rights and security of consumers. But it is nothing to fear. Our faith in delivering advice to all must endure alongside the products and the markets that will deliver for investors.
Greg Neall is chartered financial planner at Wake Up Your Wealth
Money
State pension warning as hundreds of thousands ‘edge closer’ to having money knocked off payments
HUNDREDS of thousands of retirees are set to pay tax on their state pension for the first time next year.
This is due to a combination of hefty state pension rises and frozen tax thresholds.
It is expected that more than 300,000 pensioners will be told that they need to pay tax when the state pension rises by £473 in 2025.
The figures released this week have confirmed that the state pension is now expected to rise from £11,502.40 to £11,975 per year under the triple lock.
With tax thresholds frozen until 2028, this increase will drag even more pensioners into paying tax for the first time, it has been warned.
This is because the total annual amount of income they receive will be more than their personal allowance.
The allowance is the amount of money you can earn before you have to pay tax on your income.
Under the current rules, this is up to £12,570 each tax year.
It was previously expected that around 140,000 pensioners would receive a letter for the first time this year.
But because of the proposed increase in the state pension, more than 300,0000 people are now likely to get one.
Alice Haine of Bestinvest said: “Add in frozen tax thresholds, with the full new state pension gaining ground on the standard personal allowance of £12,570 and pensioners are edging closer to the point at which their state pension income becomes liable for tax.
“Retirees already receiving a higher state pension may already be paying tax on the benefit, while those receiving a private pension income will see more of that swallowed up by tax.”
Helen Morrissey, head of retirement analysis, Hargreaves Lansdown also pointed out that while rising state pensions are good news, the tax threat is “a hidden sting in the tail”.
She said: “While the full new state pension is currently set at £11,502 and is set to get close to £12,000 from next April it’s conceivable that in the next two years we could see it breach the £12,570 threshold and see pensioners landed with a tax bill.
“It’s also worth saying that many pensioners on the basic state pension system receive more than this as they get a top-up to their income in the form of the state second pension so receive a tax bill even if they have no other income.”
Many pensioners have other pensions – personal or workplace – and HMRC will usually take the income tax due through these pensions, Helen pointed out.
She said: “Those pensioners wholly reliant on the state pension who face paying tax will receive a simple assessment letter from HMRC telling them how much they owe.
“There have been concerns about pensioners being chased for small amounts of tax though HMRC has said they would not look to chase tax amounts that would cost more to collect than is actually owed.”
Why is this happening and is there anything I can do to avoid it?
High inflation rates mean more people in work are getting pay rises to try and keep pace with rising prices.
However, with income tax bands frozen, it means many are being pushed into the next tax bracket.
Laura Suter, director of personal finance at AJ Bell, previously told The Sun: “Pensioners looking to reduce their tax bill need to think about how they can maximise their tax-free income.
“For example, any withdrawals made from their ISAs will be free of any tax. so they can use that pot of money to boost their income without impacting their tax bill.”
An ISA is a type of savings account in which you can save up to £20,00 a year tax-free.
Laura also suggested that couples can organise their finances so they ensure they are each making use of their tax-free allowances, which might involve moving money or assets between themselves.
Helen also added that pensioners might want to use some of their pension to top up their income.
She said: “Most people can access 25% of their pension as a tax-free lump sum so they may decide to use this to top up their income without pushing up their tax bill.”
However, she also warned that pensioners below the personal allowance are going to find it increasingly difficult to avoid paying income tax in the coming years.
The finance expert added: “A full new state pension hits just over £11,500 per year and even relatively modest 3.5% annual increases would see people pushed over the threshold by the time the threshold freeze ends.”
How does the state pension work?
AT the moment the current state pension is paid to both men and women from age 66 – but it’s due to rise to 67 by 2028 and 68 by 2046.
The state pension is a recurring payment from the government most Brits start getting when they reach State Pension age.
But not everyone gets the same amount, and you are awarded depending on your National Insurance record.
For most pensioners, it forms only part of their retirement income, as they could have other pots from a workplace pension, earning and savings.
The new state pension is based on people’s National Insurance records.
Workers must have 35 qualifying years of National Insurance to get the maximum amount of the new state pension.
You earn National Insurance qualifying years through work, or by getting credits, for instance when you are looking after children and claiming child benefit.
If you have gaps, you can top up your record by paying in voluntary National Insurance contributions.
To get the old, full basic state pension, you will need 30 years of contributions or credits.
You will need at least 10 years on your NI record to get any state pension.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
Money
Kennedy Wilson appoints Harris to oversee industrial and logistics investment
He joins from Paloma Capital, where he deployed capital from value-added funds and its UK industrial joint venture.
The post Kennedy Wilson appoints Harris to oversee industrial and logistics investment appeared first on Property Week.
Money
Britons Boost Pension Withdrawals Before Upcoming Budget
Britons Increasing Pension Withdrawals Ahead of Budget Announcement
As the budget announcement on October 30 approaches, Britons are withdrawing more money from their pensions, according to insights from an investment platform. Michael Summersgill, CEO of AJ Bell, highlights that many savers are opting to increase their tax-free cash withdrawals. Currently, individuals can withdraw 25% of their pension, with a maximum limit of £268,275. While there’s no definitive evidence suggesting a reduction in this percentage, left-leaning think tanks have advised the government that the 25% rule mainly benefits wealthier individuals.
Understanding Pension Withdrawals
Summersgill stated, “Pensions serve as the main savings tool for retirement in the UK, and it’s natural for customers to be concerned about any potential tax changes. With the heightened media focus leading up to the budget, we’ve observed a significant shift in both pension contributions and tax-free withdrawals.”
Conversely, Ross Lacey, a director and chartered financial planner at Fairview Financial Management, advises clients against making hasty decisions. “Given the increasing emphasis on self-funding retirement and the existing challenges pensions face in terms of public perception, it would be unwise to implement changes that could make pensions less appealing,” he noted. It’s worth mentioning that immediate tax changes are not uncommon but are still unexpected.
Should You Increase Your Pension Contributions Before the Autumn Budget?
With the Autumn Budget approaching, many are pondering whether to increase their pension contributions. There are speculations that higher- and additional-rate taxpayers might receive a reduced rate of tax relief on their pension contributions. However, specific details and implementation dates will only be revealed during the Budget.
While it’s generally wise to avoid hasty decisions, if you’re already considering boosting your pension and fall into a higher or additional-rate tax bracket, now might be the time to strategize for maximizing your contributions.
Potential Changes to Tax Relief
Currently, contributions to personal pensions receive tax relief based on the highest income tax rate. For instance, a contribution of £80 to a personal pension automatically includes an extra £20 in basic-rate (20%) tax relief. Higher-rate (40%) and additional-rate (45%) taxpayers can reclaim additional amounts through their self-assessment tax return.
However, rumors suggest the Chancellor may consider a flat rate of tax relief between 20% and 30% for all individuals. This change would aim for more equitable benefits across income levels but would result in lower advantages for those currently receiving higher rates of tax relief.
Related: More young home owners gamble their retirement with mortgages lasting past state pension age
Maximizing Your Pension Benefits
If the proposed changes are implemented, higher- and additional-rate taxpayers may miss out on certain tax perks. Nevertheless, most UK taxpayers will still benefit significantly. If you’re in a higher tax bracket, it may be wise to consider advancing your pension contributions before any potential changes take effect. This strategy allows you to maximize the higher relief rates currently available.
For those in workplace pension schemes, consulting with your employer about increasing contributions can also be beneficial. Many employers match contributions, significantly enhancing pension savings over time.
As of now, tax relief on pension contributions is available up to 100% of your gross relevant earnings, with a cap of £60,000 for the 2024-25 tax year. This cap, known as the ‘annual allowance,’ includes both your contributions and those from your employer before tax. Note that the annual allowance may be reduced if you have a high income or have accessed your pension pot flexibly.
Considerations Before Boosting Your Pension
While increasing your pension may seem like a prudent choice, it’s not suitable for everyone. First, assess whether you can comfortably afford to increase your contributions. Remember that you won’t be able to access these funds until at least age 55, rising to age 57 in April 2028. If you anticipate needing access to your funds before retirement, consider an Individual Savings Account (ISA) instead. Although ISAs don’t offer tax relief on contributions, you can withdraw your money whenever without incurring tax penalties.
For the 2024-25 tax year, you can contribute up to £20,000 to ISAs. Increasing your ISA contributions might also be timely, as there are rumors of a potential lifetime cap on ISA savings that could be introduced in the Autumn Budget or by a future government.
Diversifying investments across various accounts, including ISAs and pensions, can help mitigate risks associated with changes in tax laws or personal circumstances. Regularly managing contributions and withdrawals from different accounts can enhance tax efficiency, ultimately reducing your overall investment costs.
Conclusion
Regularly reviewing your monthly savings and ensuring you’re investing tax-efficiently is crucial as you work toward your retirement goals. By maintaining a long-term perspective and considering your financial objectives, you can set yourself up for a brighter financial future.
Please note that the tax rates and allowances mentioned in this article are based on information as of September 2024.
Money
A £2 B&M find can help keep homes warm without putting heating on and keep energy bills low
AS THE nights draw in many of us could benefit from insulating our homes to keep draughts out.
One way to do so is to install B&M’s Bubble Wrap, which can help your home feel warmer while saving you money on your energy bill.
It costs just £2 and can help to protect your home from cold gusts of air which can enter through cracks or gaps around your windows.
The bubble wrap has a diameter of 500mm by 5m, which is enough to insulate several windows.
The air pockets in the surface create a barrier which traps heat inside and keeps the cold out of your home.
Plus by stopping cold air from entering your house you could also save precious pounds off your energy bill.
Read more on energy bills
Draught-proofing is one of the cheapest and most effective methods to save money, irrespective of what type of building you live in.
Reducing draughts around windows and doors could save you around £40 a year if you live in Great Britain, or £50 in Northern Ireland, according to the Energy Saving Trust.
Draught-free homes may also be more comfortable at lower temperatures, which could mean that you are able to turn down your thermostat.
Doing so could save you even more money on your energy bills.
To the bubble wrap to insulate your home, simply measure your windows and cut the bubble wrap to fit.
Next lightly spray your windows with water, which acts as an adhesive and allows the bubble wrap to stick directly to the glass.
Place the bubble wrap onto the window with the bubble-side facing into your home and gently press it to secure it in place.
If your home is particularly draughty then you can also double up the bubble wrap for extra insulation.
Bubble wrap is also easy to remove in the warmer months and doesn’t damage your windows as it is not permanent.
Make sure to seal draughty doors and windows with insulation tape to stop draughts getting in.
5 ways to keep your house warm in winter
Property expert Joshua Houston shared his tips.
1. Curtains
“Windows are a common place for the outside cold to get into your home, this is because of small gaps that can let in air so always close your curtains as soon as it gets dark,” he said.
This simple method gives you an extra layer of warmth as it can provide a kind of “insulation” between your window and curtain.
2. Rugs
“Your floor is another area of your home where heat can be lost and can make your home feel chilly,” he continued. “You might notice on cold days, that your floor is not nice to walk on due to it freezing your feet.
“Add rugs to areas that don’t already have a carpet, this provides a layer of insulation between your bare floor and the room above.”
3. Check your insulation
Check your pipes, loft space, crawlspaces and underneath floorboards.
“Loose-fill insulation is very good for this, and is a more affordable type of insulation, with a big bag being able to be picked up for around £30,” Joshua explained.
4. Keep your internal doors closed
“Household members often gather in one room in the evening, and this is usually either the kitchen or living room,” Joshua said.
“This means you only have to heat a small area of your home, and closing the doors keeps the heat in and the cold out.”
5. Block drafts
Don’t forget to check cat flaps, chimneys and letterboxes, as they can let in cold air if they aren’t secure.
Before you install the bubble wrap make sure to shop around to get the best deal.
Sainsbury’s is selling 8 metre large rolls of bubble wrap for £4.25.
Meanwhile, The Works has a 5m x 300mm roll for £1.
Always check the length and width of the roll before you make a purchase to ensure that you are getting a good deal.
Never draught proof areas of your home that need good ventilation such as rooms where lots of moisture is produced such as the bathroom, utility rooms or kitchen.
Also avoid blocking up areas where there are open fires or open flues.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
Money
The Morning Briefing: AJ Bell and SJP publish results; CGT rise top of advisers’ minds
Good morning and welcome to your Morning Briefing for Thursday 17 October 2024. To get this in your inbox every morning click here.
AJ Bell platform business grows
AJ Bell’s platform business has continued to grow, with customer numbers increasing by 66,000 to 542,000.
This represents an increase of 14% in the past year.
AJ Bell CEO Michael Summersgill said its dual-channel platform, which serves both the advised and D2C platform markets, has maximised the growth opportunity.
SJP records quarterly net inflows of £890m
St James’s Place (SJP) recorded net inflows of £890m in the past quarter.
These sustained inflows, together with “positive investment performance”, have resulted in record funds under management of £184.4bn as of 30 September.
The UK’s largest wealth manager also recorded gross inflows of £4.4bn in the third quarter, 20% higher compared to the same period last year.
CGT rise top of advisers’ minds
An increase in capital gains tax (CGT) is top of mind for advisers, the majority of whom think it is one of the most likely announcements in the upcoming Budget, research by Royal London has revealed.
In a survey, the life, pensions and investment mutual asked advisers their thoughts on the most talked about Budget in recent years.
Overall, 78% said they believe CGT changes are the most likely outcome.
Quote Of The Day
The US presidential elections on November 5 will have implications for China. Both Democrats and Republicans recognise the importance of reducing the trade deficit with China and reducing reliance on Chinese imports.
– Christopher Mey, head of emerging market credit at Candriam, comments on China’s economic outlook in the context of the US election and the potential threats
Stat Attack
ETFGI has reported assets invested in the ETFs industry in the US reached a new record high at the end of September.
$10trn
The amount of assets invested in the ETFs industry in the US at the end of September.
$9.74trn
This beat the previous record of $9.74trn at the end of August 2024.
23.2%
The amount by which assets have increased year-to-date in 2024.
$8.11trn
The amount they stood at at the end of 2023.
$97.29bn
Net inflows recorded in September 2024.
$740.81bn
YTD net inflows – the highest on record.
Source: ETFGI
In Other News
Royal London has appointed Iain McLeod as director of investment proposition.
Reporting to chief commercial officer Julie Scott and heading up the Investment Proposition team, McLeod joins to lead the development of investment solutions for advisers across individual and workplace pensions, working closely with Royal London Asset Management.
He joins from M&G Wealth as head of investment proposition, following over 35 years at Abrdn and Standard Life in a variety of investment, saving and proposition roles.
His experience includes working closely with the UK adviser community to develop and deliver client-centric investment solutions.
The Chartered Institute for Securities & Investment (CISI) has announced the winners of its Financial Planning Awards 2024.
- Certified Financial Planner Professional of the Year Award
WINNER: Nicholas Grogan, PWS Financial Consulting
- Paraplanner of the Year Award, sponsored by The Association of Investment Companies
WINNER: Brad Sheridan, BRI Wealth Management
- CISI Accredited Financial Planning Firm™ of the Year Award, sponsored by Glascow Consulting
WINNER: Acumen Financial Planning
- Tony Sellon ‘Good Egg’ Award Memorial Prize
WINNER: Barry Horner, Paradigm Norton Financial Planning
- The Paul Etheridge Financial Planning Future Leader Award, sponsored by Lexington Wealth Management
WINNER: Emmelia Powell, Premier Wealth Solutions
CISI head of financial planning policy and engagement Chris Morris said: “Congratulations to all of our winners.
“These awards recognise both individual and firm excellence along with those who have made an outstanding contribution to the financial planning profession.”
Millionaire business owners urge Rachel Reeves to raise £14bn from rise in capital gains tax (Guardian)
Jamie Dimon charts JPMorgan expansion plan into Africa (Reuters)
European shares little changed ahead of expected ECB rates cut (Bloomberg)
Did You See?
Last week you joined us in London for Money Marketing Interactive London and what a day it was.
A huge thank you to all our incredible delegates. Your energy and participation made this year’s conference unforgettable.
We’re excited to see how you’ll take the knowledge shared and continue shaping the future of financial advice.
You can view a range of photos from the event here.
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