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Independent Financial Advice
& Mortgage Brokers

Empower Your Money

Firco provides advice across a wide range of financial services. We are committed to putting clients at the heart of everything we do and to developing long-term relationships with them. This is achieved by ensuring that we understand the individual needs of each client, and to implementing tailored financial plans to address those needs.

Our aim is to help individuals and businesses to achieve their financial goals. Our approach is straight forward. You tell us about your current situation and about your financial objectives and when you want to achieve them. We develop a practical plan designed to help you meet those objectives and empower your money. We’ll discuss the plan with you and agree the course of action you want to take. Whilst the final decisions are of course yours, we’re here to help and guide you with jargon-free advice both now and in the future.

Get Financially Fit This Year

Get Financially Fit in As we face and the year ahead with great anticipation, thoughts of resolutions, often centred around...
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Get Financially Fit This Year

Dividend Cuts – A Prudent Measure?

Dividend Cuts A Prudent Measure? It has been a challenging time for UK dividends. In the second quarter of the...
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Dividend Cuts – A Prudent Measure?

Maintain Your Retirement Focus

Maintain your retirement focus, whether you’re 20 or 50+ Nearly a fifth of people (18%) aged 50 and over say...
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Maintain Your Retirement Focus

The Intergenerational Impact of Coronavirus

The Intergenerational Impact of Coronavirus The pandemic has touched the lives of billions of people. Everybody, it seems, has been...
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The Intergenerational Impact of Coronavirus

Plans to Protect Your Family Finances

Estate planning Making Plans to Protect Your Family’s Financial Future In addition to organising your finances to ensure your assets...
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Plans to Protect Your Family Finances

Spreading Risk Makes Sense

Spreading Risk Has Always Made Sense Almost exactly 50 years ago, a company few people had previously heard of was...
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Spreading Risk Makes Sense

We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please click on ‘Become a Client’ at the bottom of the page and complete the enquiry form and we will normally contact you within the same working day during business hours or if you would prefer us to contact you outside normal business hours then please advise and we will quite happily do so. Alternatively you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388

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95% Mortgages Are Back! What’s the backstory? T 95% Mortgages Are Back! What’s the backstory? The government announced recently that it will support lenders in offering mortgages with a loan-to-value (LTV) of 95 percent, which are deals for those with a 5% deposit. What is the significance of this? Since Covid, many banks and lenders have withdrawn their low-deposit mortgage deals, which are regarded as the riskiest. This meant that many people who wanted those lower-deposit deals were temporarily locked out of purchasing their first home unless they could find more money. So, can I now have a 95 percent mortgage? We know that 95 percent mortgages for homes worth up to £600,000 will be available in April from a number of well-known lenders, including HSBC, Barclays, Lloyds, and Natwest, with Virgin Money joining later. They will also be available for all kinds of properties, not just new builds. However, each lender’s loan standards may vary, and your eligibility for these deals will be determined by your personal circumstances. Firco Mortgages is an independent mortgage broker that has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence. We arrange bespoke mortgage solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you. Please email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388 #MortgageBrokers #TrustedAdvisor #Mortgage #Expert #HNW #HNWI #UHNWI #Finance #Money #LuxuryHomes #Best #IG_UK #Broker #Remortgage #DreamHome #Expat #Expats #Top500 #Prime #ToBuy #Brokers #MortgageExpert #Property #UK #Home #House
Budget 2021: stamp duty update   Many homebuyers Budget 2021: stamp duty update   Many homebuyers in England and Northern Ireland will be celebrating today, following the news that the stamp duty holiday, which was due to expire on 31 March 2021, has been extended to 30 June 2021. The extension will help some buyers save thousands of pounds in fees and give the intermediary community more time to help more people. The Chancellor also announced that the stamp duty nil rate band will then change to double the previous nil rate to £250k from 1 July until the end of September 2021, and will then return to its previous £125k rate from 1 October 2021.
Can I avoid capital gains tax on my buy-to-let pro Can I avoid capital gains tax on my buy-to-let property? If you sell a buy-to-let property for more than you bought it, you make a ‘capital gain’ – and this may be subject to capital gains tax (CGT). However, in some circumstances you may be able to reduce the amount of CGT you have to pay. Let’s look at how you might be affected, what forms of BTL tax relief are available, and what steps you can take to minimise your exposure to CGT. What is capital gains tax? Capital gains tax (CGT) is paid on the profit you make when you sell or dispose of (e.g. give away or swap) an asset that has increased in value. Some assets are tax-free, including your main home. But if the value of your rental property has increased since you bought it, you may have to pay CGT on some or all of the profit when you sell it. When do I have to pay capital gains tax on buy-to-let? As the owner of a rental property you stand to profit in two ways: from the rental income paid by tenants and from capital growth if the property increases in value. Although you don’t normally pay tax on the sale of your main residence, the rules around rental property sales are different. If you’ve sold a buy-to-let property since April 6, 2020 and are required to pay CGT, you have 30 days to notify HMRC and make a payment. The 30-day period starts from the sale completion date. Failing to report the sale and pay your tax on time is likely to land you with a penalty fee and interest charges, so it’s important to keep on top of this (it can help to have an accountant). Payments are made online through the Government Gateway. You’ll need a user ID and password to access the system, but if you don’t already have these you can create an account when you report and pay. If you usually complete a self-assessment tax return, you’ll also need to provide details of any capital gains you’ve made at the end of the relevant tax year. To see the full article please got to our website blog www.OnlineMortgageSpecialist.co.uk
Whilst Christmas might not be quite the same this Whilst Christmas might not be quite the same this year, it’s good to take time out to recharge and look forward to 2021. We hope you’re able to take some time to spend with loved ones too. We wanted to share our opening times over the festive break. Our office will be closed from Thursday 24th December 2020 up until Monday 4th January 2021. We will be monitoring our phone calls and emails so if you have an urgent query please leave a message and somebody will get back to you as soon as possible.
Remember, remember, the Fifth of November Gunpowde Remember, remember, the Fifth of November Gunpowder treason and plot I see no reason why gunpowder treason Should ever be forgot What was the Gunpowder Plot? They had hoped for better treatment from the new monarch James I after 45 years of hounding under the reign of Elizabeth I, and decided on drastic measures when things did not improve under his reign. Warwickshire-born Catholic Robert Catesby and his friends planned kill the King, his ministers and scores of nobles by blowing up the Palace of Westminster during the State Opening of Parliament on November 5, 1605. The plotters rented a house nearby and managed to smuggle 36 barrels of gunpowder - around 2.5 tons - into a cellar under the palace ready to blow it sky high. The explosives were discovered with hours to spare after an anonymous tip-off warning one peer to stay away. To this day the cellars under the Houses of Parliament are ceremonially searched before the annual State Opening.
The Bank of England is to pump an extra £150bn in The Bank of England is to pump an extra £150bn into the economy as it warned the resurgence of Covid-19 would lead to a slower, bumpier recovery. Tighter lockdown rules, including new restrictions in England, are expected to push the UK into another downturn. While the economy is expected to avoid another recession, the Bank believes unemployment will rise sharply as government support schemes wind down. Policymakers also kept interest rates on hold at a record low of 0.1%. The Bank expects the economy to shrink by 2% in the final three months of 2020, before bouncing back at the start of 2021, assuming current restrictions loosen. It does not expect the UK economy to get back to its pre-virus size until the following year.
The #housing #market is to remain open for the fou The #housing #market is to remain open for the four week #lockdown in #England. The Ministry of Housing, Communities and Local #Government confirmed the news on Saturday evening via Twitter, some hours after #primeminister #borisjohnson announced the lockdown until December 2. A tweet from Housing Secretary Robert Jenrick said: "Q: Can I still move house? A: Yes – the housing market will remain open throughout this period. Everyone should continue to play their part in reducing the spread of the virus by following the current guidance." That current guidance says: "The process of searching for and moving into a new home is different because property agents, conveyancers and other professionals have modified how they work to reduce the risk from COVID-19. These changes could include doing more online, such as offering virtual viewings; vacating your current property during viewings; and ensuring your property is thoroughly cleaned before someone else moves in. We encourage all parties involved to be as flexible as possible and to be prepared to delay moves, for example if one of those involved becomes ill with COVID-19 during the moving process or has to self-isolate. It may become necessary to pause all home moves locally or nationally for a short period of time to manage the spread of coronavirus. We will let you know if this needs to happen. If you are about to enter into a legally binding contract, you should discuss the possible implications of COVID-19 with your legal professional and consider making contractual provisions to manage these risks. You should not expect to immediately be able to move into any home where people have COVID-19 or are self-isolating." This is national guidance and applies to all 3 Local COVID alert levels. If local restrictions are in place in your area, please check for local lockdowns guidance. You can use the UK GOV postcode checker to find out the alert level and which restrictions apply in the area you are moving to or from.
No tricks, just treats! 🎃 👻 🎃 We know, w No tricks, just treats! 🎃 👻 🎃 We know, we know, Halloween is supposed to be scary. The only thing you need to be scared of this Halloween is not reviewing your finances - Let us do all the scary stuff. We provide you with impartial advice and services, delivered in plain English and tailored to your individual needs. Above all, we will treat every client with respect and provide personal attention from your first enquiry. We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you. Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388
Congratulations to our new mortgage advisor Simon Congratulations to our new mortgage advisor Simon Hannam - providing an excellent service to our clients! 👏🏼👏🏼👏🏼👏🏼 We’re here to help We are responsible for advising you on the most suitable mortgage for your circumstances. Whether you’re moving up the ladder, looking to downsize, purchasing another property or remortgaging, please get in touch; we have our finger on the pulse in this evolving environment and can assist you to navigate any challenges. We are qualified advisers with in-depth knowledge of the market and are able to look at a whole range of mortgage products. Getting a mortgage is one of the biggest financial decisions you will make, so it’s important to get it right.
Worry less about your finances and more about your Worry less about your finances and more about your free time! We make financial wellbeing easy, so empower your money! We provide you with impartial advice and services, delivered in plain English and tailored to your individual needs. Above all, we will treat every client with respect and provide personal attention from your first enquiry. We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you. Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388
Bank Rate maintained at 0.1% - September 2020 The Bank Rate maintained at 0.1% - September 2020 The Bank of England’s Monetary Policy Committee (MPC) sets monetary policy to meet the 2% inflation target, and in a way that helps to sustain growth and employment. In that context, its challenge at present is to respond to the economic and financial impact of the Covid-19 pandemic. At its meeting ending on 16 September 2020, the MPC voted unanimously to maintain Bank Rate at 0.1%. The Committee voted unanimously for the Bank of England to continue with its existing programmes of UK government bond and sterling non-financial investment-grade corporate bond purchases, financed by the issuance of central bank reserves, maintaining the target for the total stock of these purchases at £745 billion. We provide you with impartial advice and services, delivered in plain English and tailored to your individual needs. Above all, we will treat every client with respect and provide personal attention from your first enquiry. We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you. Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388
If you are thinking of moving house - now is the t If you are thinking of moving house - now is the time to do it! Stamp Duty Holiday Explained The chancellor has announced a temporary holiday on stamp duty on the first £500,000 of all property sales in England and Northern Ireland. The tax threshold has been temporarily raised until 31 March 2021 in order to boost the property market and help buyers struggling because of the coronavirus crisis. The changes have come in with immediate effect. What is stamp duty? #Stampduty is a tax paid by people buying properties, although it varies slightly across the UK. In England and Northern Ireland buyers pay Stamp Duty Land Tax. In Scotland it is Land and Buildings Transaction Tax, while in Wales buyers pay Land Transaction Tax. The amount handed to the government depends on where you are in the UK, and the price of the property. The changes to stamp duty will only apply to buyers in England and Northern Ireland. So what has changed? The government has temporarily increased the stamp duty threshold to £500,000 for property sales in England and Northern Ireland, until 31 March 2021. This means anyone completing on a main residence costing up to £500,000 between 8 July 2020 and 31 March 2021 will not pay any stamp duty at all, and more expensive properties will only be taxed on their value above that amount. This will save buyers as much as £15,000, if they are buying a property of £500,000 or more. The move is aimed at helping buyers who have taken a financial hit because of the coronavirus crisis. It is also intended to boost a property market hit by lockdown. According to the Halifax, house prices have fallen for four months in a row. Firco Mortgages is an independent mortgage broker that has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence. We arrange bespoke mortgage solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you. Please see our website for more information, or you can email us with details about your requirements to info@FircoGroup.co.uk or call us on 0151 372 0388
Let us do all the work for you! With thousands of Let us do all the work for you! With thousands of options to consider choosing the right mortgage can seem a daunting prospect. Firco Mortgages is an independent mortgage broker that has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence. We arrange bespoke mortgage solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you. Please see our website for more information, or you can email us with details about your requirements to info@FircoGroup.co.uk or call us on 0151 372 0388
#stampdutyholiday The tax paid by people buying p #stampdutyholiday The tax paid by people buying property - will be cut on transactions below £500,000 until 31 March, Chancellor Rishi Sunak announces "These changes to stamp duty will take effect immediately" If you are looking for the best mortgage advice get it touch today! Firco Mortgages is an independent mortgage broker that has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence. We arrange bespoke mortgage solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you. Please see our website for more information, or you can email us with details about your requirements to info@FircoGroup.co.uk or call us on 0151 372 0388
We will make you an offer you cant refuse! We pro We will make you an offer you cant refuse! We provide you with impartial advice and services, delivered in plain English and tailored to your individual needs. We will treat every client with respect and provide personal attention from your first enquiry. We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you. Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388
Bank Rate maintained at 0.1% - June 2020 The Bank Bank Rate maintained at 0.1% - June 2020 The Bank of England MPC voted unanimously to maintain Bank Rate at 0.1% and to continue with the existing programme of £200 billion of UK government bond and sterling non-financial investment-grade corporate bond purchases, financed by the issuance of central bank reserves. The Committee voted by a majority of 8-1 to increase the target stock of purchased UK government bonds, financed by the issuance of central bank reserves, by an additional £100 billion, to take the total stock of asset purchases to £745 billion. We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you. Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388
Happy thoughts, happy life! Life is short – whi Happy thoughts, happy life! Life is short – which means there isn’t room in your life for anything but good vibes! If the world’s weighing you down, set yourself free. It’s sure to have you radiating positivity and feeling great.
It is still business as (un)usual here... Another It is still business as (un)usual here... Another happy client during these strange times. We provide you with impartial advice and services, delivered in plain English and tailored to your individual needs. Above all, we will treat every client with respect and provide personal attention from your first enquiry. We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you. Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388
The Bank of England Monetary Policy Committee at a The Bank of England Monetary Policy Committee at a special meeting on 19 March voted to cut Bank rate from 0.25% to 0.1% and increase its holdings of UK government and corporate bonds by £200 billion. Firco Mortgages is an independent mortgage broker that has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence. We arrange bespoke mortgage solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you. Please see our website for more information, or you can email us with details about your requirements to info@FircoGroup.co.uk or call us on 0151 372 0388
Rishi Sunak’s first Budget took place against th Rishi Sunak’s first Budget took place against the backdrop of the global outbreak of COVID-19. Not surprisingly the UK’s response to this was the initial focus – providing some much needed short term financial measures in the current uncertainty, from ensuring the NHS has sufficient budget to cope, to extending statutory sick pay rules that affect millions of workers. The new Chancellor set out a Budget which supports the government’s ambition for a ‘fair and sustainable tax’ system. Many rumours didn’t quite come to pass, we did not see an overhaul of inheritance tax, scrapping of Entrepreneurs Relief or an announcement of a wide spread review of pensions tax relief. But as expected we did see an increase in the Tapered annual allowance, and the good news was it was significantly more than expected, saving many from significant tax bills and the hassle of carrying out complex calculations. Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388
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