🎄 Hello December! 🎄

The festive season is here, and while Christmas is on the horizon, it’s also a great time to prepare for the year ahead. Whether you’re dreaming of a new home, need help with remortgaging, or just want expert advice, Teesside Money is here to make the process simple and stress-free.

Why not tick one thing off your list before the new year? Get in touch with our team today for Simple Smart Advice you can trust.

#TeessideMoney #DecemberVibes #SimpleSmartAdvice #StocktonOnTees #MortgagePlanning #FestiveSeason #Teesside #StocktonBids

📢 We’ve Moved! 📢

Teesside Money has a new home! You can now find us at:
🏢 Fast Track House, Thornaby, Stockton-on-Tees TS17 6PT

We’re still here to provide the same Simple Smart Advice you know and trust, now from our new office in Thornaby. Pop in or get in touch—we’d love to see you!

#TeessideMoney #NewOffice #Thornaby #StocktonOnTees #SimpleSmartAdvice

A great success story! A husband and wife, both NHS professionals, recently moved to the UK just 12 months ago and are currently on temporary visas. Despite needing to use both incomes, including one working two jobs for the past four months, we secured them a mortgage offer with only a 10% deposit.

This is significant because foreign nationals often need a larger deposit or a longer work history in the UK. With more staff joining North Tees and James Cook hospitals, it’s reassuring to know there are options available sooner than many might think.

The couple initially approached an estate agent but were referred to us when they needed specialist advice - proof that the right broker can make all the difference.

If you’re in a similar position or know someone who is, let’s talk about how we can help!

#CaseStudy #MortgageAcceptance #TeessideMoney #MortgageBrokers #IndependentBusiness #IndependentTeesside

#TestimonialTuesday - 5-Star Service Alert! ⭐️
Big shoutout to Kieran for delivering exceptional, responsive service and securing a competitive mortgage rate for our clients! At Teesside Money, we’re all about making the mortgage process seamless and efficient. Thanks, Oliver, for trusting us with your journey—looking forward to helping more clients like you!

#TeessideMoney #ClientSatisfaction #5StarService #StocktonOnTees #Teesside

End of an Era at Wellington Square! ❤️
Last month we said bye to our Wellington Square office, marking the end of an era for Teesside Money. But it’s also the start of an exciting new chapter with our fantastic team and incredible clients right alongside us.

Here’s to new beginnings, more milestones, and continued success in the heart of Teesside!

#TeessideMoney #NewChapter #OnwardsAndUpwards #StocktonOnTees #Teesside

🍂 Autumn Budget Summary 2024 – Key Updates for Homeowners, Savers, and Employers 🍂
Here’s what you need to know:

🏠 Stamp Duty Changes (April 2025)
From April 2025, homeowners across England and Northern Ireland will face new stamp duty rules:
Standard threshold dropping from £250,000 to £125,000.
First-time buyer relief dropping from £425,000 to £300,000.

💷 Pensions & Inheritance Tax (April 2027)
Inheritance Tax (IHT) will apply to more pensions, potentially affecting 10,000 more estates in 2027-28, with an estimated 40,000 estates seeing a higher IHT bill.

👔 National Insurance Increases
Employers’ National Insurance rate rises to 15%, and the threshold lowers to £5,000 a year—this could affect employee benefits. Plus, NI and Income Tax thresholds remain frozen until 2028.

💸 ISA Deposit Limits Frozen until 2030
Save tax-free up to £20,000 in a Cash ISA and £9,000 in a Junior ISA yearly, with thresholds remaining frozen until April 2030.

💵 Minimum Wage Increase (April 2025)
Minimum wage for those aged 21+ rises by 6.7% to £12.21/hr, impacting over 3 million workers.

These changes could impact your financial planning—Teesside Money is here to help you stay on top of these shifts and find solutions tailored to your needs. Get in touch with any questions!
#AutumnBudget #StampDuty #InheritanceTax #TeessideMoney #FinancialAdvice

🚨 Deadline Alert: Right to Buy Changes! 🚨

If you’ve been thinking about buying your council home in the North East, now is the time to act. From 21st November, the discount cap for the Right to Buy scheme will change significantly. Currently, eligible buyers can get a discount of up to £22,000 (depending on your area), but this will soon drop to just £16,000.

This change means time is running out to secure a larger discount! If you`re ready to take the next step or need advice, reach out to Teesside Money—we’re here to help you through the process before the deadline hits.

#RightToBuy #TeessideMoney #NorthEast #councilhouse #StocktonOnTees

🚨 Important Update for Right to Buy Applicants! 🚨

The Government has announced that the discount available through the `Right to Buy` scheme is set to be significantly reduced starting 21st November. Currently, you can benefit from up to a 60% discount on your council property (capped at £102,400, or £136,400 in London). However, after this date, the maximum discount will drop to £16,000 (£38,000 in London).

If you`ve been on the fence about buying your council home, now is the time to act! Contact Teesside Money today to learn how we can help you secure your property with the existing discounts while they last. 🏠

#RightToBuy #Homeownership #TeessideMoney #ActNow #StocktonOnTees

If you live in a council house or know anyone that does and have considered buying it, now is the time to act. And you need to move quickly...
The government have reduced the maximum discount from £102,000 down to £22,000 (can vary depending on location). That is a lot of money to lose. If you have been in your council house for 5 years you get a discount of 35%, then 1% for every year after that.
You only have until 21st November to get your application in to the local council and for them to acknowledge receipt.
Get in touch ASAP to see if you qualify for a mortgage.
We can help people with adverse credit, self employed 1 year, contractors, people on 100% benefit income, and you might not need a deposit !
Tel: 01642 065875 Teesside Money Ltd