Budget 2021, Stamp Duty Holiday and 95% Mortgages.

BREAKING NEWS – STAMP DUTY HOLIDAY EXTENDED TO JUNE 30th   

So, anyone completing a purchase on their main residence costing up to £500,000 before 30 June 2021 will not pay any stamp duty.

Also, a new 95% mortgage guarantee scheme will open in April 2021 promising better access to mortgages for all buyers with lower deposits – which is great news for those that are trying to get on the property ladder.

The new 95% mortgage scheme is not just for first-time buyers – it’s for ALL buyers – and the property doesn’t have to be a new-build.  Home buyers will still apply for a mortgage in the usual way – the scheme should encourage or support banks in lending at 95%.

Get in touch with Nigel, Rachel or Selina to find out how this can help you. https://mortgagesmart.uk/the-team/


The firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your needs and circumstances. This will be discussed and agreed with you at the earliest opportunity. Our typical fee is £395.

Mortgage Smart Ltd is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of Personal Touch Financial Services Limited. Personal Touch Financial Services Limited is authorised and regulated by the Financial Conduct Authority.

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Your home may be repossessed if you do not keep up repayments on your mortgage.