Simple Smart Advice

#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

🚗 You wouldn`t take a #Porsche to Kwik Fit for a service, would you?

Just like that, when you`re buying, refurbishing, and refinancing a property, you don’t go to a broker who only handles straightforward cases.

You need a specialist #mortgage broker—someone who knows how to tackle the unique challenges of property investment and find the best deal for your project.

That’s where Teesside Money comes in. We’re experts in navigating complex property investments, so you’re always in the right hands.

#PropertyInvestment #Teesside #MortgageBroker #Stockton #SpecialistMortgageBroker #BridgingFinance #TeessideMoney

Today is our last day in our #WellingtonSquare office, and we`re feeling all the emotions! 😄 As we step into a new month, we`re also stepping into a new chapter with a fresh office space — but don’t worry, we’re still rooted right here in Stockton!

We can’t wait to share more about our new location with you soon. Keep following our page for all the updates as we settle into our new home!

#NewOffice #SameGreatService #TeessideMoney #StocktononTees #Teesside #Teesside @stocktonbidthefutureislocal

🎉 Huge congratulations to @kia564 on passing his Specialist Property Finance exam, he is now officially a Certified Practitioner in Specialist Property Finance! 🎉

We’re incredibly proud of you, Kieran! Your commitment and drive are a huge asset to the Teesside Money team, and we know this accomplishment will help you make an even bigger impact for our clients. Here’s to many more achievements ahead—well done! 👏

#TeessideMoney #SpecialistFinance #TeamTeesside

Thanks to everyone that took the time to wish me a happy birthday, it`s been a long one. Work and the the forum to see Elsie in her dance show at the forum. Proud Dad. Definitely deserve a wine now ❤️