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Latest Finance News related to Joint Income

As first-time buyers, can we take out a buy-to-let mortgage? image
Source : Guardian [Read Article] Thursday 27th of April 2017 06:00:09 AM
....This has allowed us to save up a small pot over the years and I recently inherited around £100,000 from my grandmother. This gives us a cash deposit of roughly £140,000 to buy somewhere, but with a joint income of around £40,000 and the average two-bed around here selling at the half a million mark, we’re going to have to start looking elsewhere. ...
What the 2017 budget means for you image
Source : Guardian [Read Article] Wednesday 8th of March 2017 05:18:09 PM
.... £48k Income 1, £31k Income 2. 2016-17 They pay combined annual income tax of £12,400 and national insurance of £7,046, leaving a net joint income of £59,554. ...
Men and women struggle to get on at work and find time for their families image
....James Willshire, 37, a married father of two, works in the finance department at Royal Holloway, University of London, and counts himself lucky: his employer offers an onsite nursery. But he and his wife need their joint income to make things work. ...
'Life-changing'  image
Source : BBC [Read Article] Friday 18th of November 2016 10:11:37 PM
....Amongst the buyers are Rachael and Nathaniel Evans and their young son Griffin. Despite their joint income of £33,000, and savings of nearly £70,000, they have been unable to afford anything in the area. ...
Women a 'distinct minority' among highest-paid in the UK image
Source : BBC [Read Article] Monday 26th of September 2016 11:05:25 PM
....The report also looked at Spain, Denmark, Canada, New Zealand, Italy, Australia and Norway, because like the UK, men and women are taxed separately. The researchers said they did not include countries such as the US because income tax is levied on the joint income of couples there. ...
The Crusader: Add value to YOUR pension with this advice image
Source : Daily Express [Read Article] Wednesday 18th of May 2016 10:01:00 AM
.... . John is self-employed, while Diane has a small workplace pension and the two are basic-rate taxpayers with a £43,000 joint income. ...
What the 2016 budget means for you image
Source : Guardian [Read Article] Wednesday 16th of March 2016 06:42:36 PM
.... £48k Income 1, £31k Income 2. 2015­-16 They pay combined annual income tax of £12,683 and national insurance of £6,984, leaving a net joint income of £59,333. ...
Young families priced out of rental markets in two-thirds of the UK image
Source : Guardian [Read Article] Monday 14th of March 2016 05:50:43 PM
.... Today he lives with his partner in a one-bedroom flat in Cardiff with “very basic amenities”. The rent takes up 30-40% of their joint income and having children looks like an ambition they will be putting off until their mid-30s, he said. ...
We want to buy a second property, but can we let out our current home? image
Source : Guardian [Read Article] Thursday 25th of February 2016 07:00:26 AM
....5% loan you would be taking out on a property costing £160,000) – you would be looking at monthly repayments of just over £715, assuming a 25-year repayment mortgage. Whether that’s affordable on your joint incomes will be assessed by the mortgage lender. ...
Twenty years on – the winners and losers of Britain’s property boom image
Source : Guardian [Read Article] Saturday 23rd of January 2016 06:59:05 AM
.... I can only spread my mortgage over a maximum of 15 years, when I’ll be nearly 70. That means that even though my partner and I have a joint income of £45,000, the maximum we can borrow is £140,000, and we’d need to find a £20,000 deposit. ...
Sneaky one in 10 of us keep secret stash of cash from our partners image
Source : Daily Express [Read Article] Thursday 10th of December 2015 12:00:00 AM
....Vince Smith-Hughes, a retirement expert at Prudential, said: "Hiding such significant sums in savings or debts from a partner makes financial planning for the future very difficult. "For example, taking unexpected debts into retirement could make a significant dent in the joint income that the couple was expecting to be able to live on. ...
'We earn £190k a year. Do we need to sell our flat to afford private school fees?' image
.... . Their respective careers - in management consultancy and personal injury law - give them a joint income of £190,000. ...
London housing report asks for help for priced out middle income groups image
Source : Guardian [Read Article] Tuesday 10th of November 2015 12:57:33 PM
.... And there are problems with the shared ownership model, not least its complexity and complete unaffordability in the most expensive parts of London to all but the higher-earning households in the £18,000-£71,000 bracket - up to £85,000 for homes with three bedrooms or more - eligible to apply for them. In super-expensive Kensington and Chelsea, the median joint income of dual-income households benefiting from the mayor’s First Steps shared ownership programme is £58,300 a year. ...
Care home costs trigger 'income crunch' for the well-off image
Source : Telegraph [Read Article] Thursday 15th of October 2015 07:34:50 AM
.... The cost of middle-class living is rising faster than wages, making it hard to save for care . Their joint income is around £86,000 a year, or £45,000 after tax, two thirds of which they spend; they save the remaining third (£15,000). ...
Retired British couple face losing £380,000 pension pot after unregulated financial adviser invested their money in high-risk schemes image
.... They looked forward to a comfortable retirement and being able to help out their children and grandchildren. But they told us now they must live on a joint income of just £14,000 a year after the advice they received cost them access to almost their entire nest-egg. ...
Home shortage and lending rules: why Generation Rent is out of luck image
Source : Guardian [Read Article] Wednesday 2nd of September 2015 10:44:32 AM
....Such controls curbed the amount anyone could bid for a property. Contrast that with today, when first-time buyers on that same property in Romford will be offered up to five times their joint income. ...
Sky-high London rents prompt calls for new controls on landlords image
Source : Guardian [Read Article] Wednesday 19th of August 2015 10:24:26 AM
....Laura and her partner tell first hand of the consequences of rent inflation. Their joint income was not enough to enable them to continue renting in Hackney after their two children were born. ...
Summer Budget 2015: What it means for people like you image
Source : Daily Express [Read Article] Wednesday 8th of July 2015 12:01:00 AM
....LIZ Storey, 42, works for a not-for-profit organisation Ignite Business Enterprise which helps small companies set up, and her husband Ian, 44, works in financial services. The couple, who have a joint income of around £100,000, have no children and live in a detached house in Great Leighs, Essex. ...
Lenders rekindle interest-only mortgage deals image
Source : Guardian [Read Article] Monday 6th of July 2015 06:00:08 AM
.... Previously this was limited to 50% LTV. The caveats are that the extra 25% worth of loan will have to be repaid as capital and interest, and only applicants with a sole income of £75,000 or joint income of £100,000 or above will be considered. ...
Five rules for getting the best annuity image
Source : Telegraph [Read Article] Tuesday 12th of May 2015 10:05:14 AM
.... . Once you have compared rates across a wide range of companies, having given full details of your health and your preference for single or joint income, it’s time to choose. ...
How state pension changes will affect you - and your pension planning image
Source : Telegraph [Read Article] Wednesday 15th of April 2015 10:44:09 AM
.... . Couples together earning £70,000 or £80,000 will need a joint income of £38,000 or £44,200 in retirement. ...
I've got a £95,000 deposit at age 24, but can't buy a home  image
Source : Telegraph [Read Article] Monday 6th of April 2015 07:03:06 AM
Can we up a buy-to-let mortgage to add to a deposit for our new home? image
Source : Guardian [Read Article] Thursday 19th of March 2015 10:18:29 AM
.... Based on the rental income of other flats in the same complex, she could get a rental income on the flat of £400 to £425 a calendar month. We have a joint income of £52,000, and we both get paid every four weeks, so 13 times a year. ...
Couples tax relief has its winners and losers - check to see how you could benefit image
Source : Daily Express [Read Article] Wednesday 4th of February 2015 12:01:00 AM
....Spouses who both have income just above the personal allowance, so there is no unused amount to transfer, would also be excluded. In both cases their joint income may be lower than some eligible couples. ...
Married tax break to put £200 more in some pockets from April image
Source : Daily Express [Read Article] Tuesday 20th of January 2015 06:31:00 PM
....Also excluded would be both spouses who have income just above the personal allowance so there is no unused amount to transfer. In both cases they may have joint income lower than some eligible couples. ...
Tax cuts will boost growth, says CBI image
Source : Telegraph [Read Article] Monday 10th of November 2014 05:00:36 AM
.... . “Overhauling childcare in the UK would be a triple shot in the arm for our economy … it’s ludicrous that the average working couple in the UK now spends over a third of their joint income on childcare,” she said. ...
House prices won't collapse yet: not with so many frustrated buyers waiting image
.... The mortgage market review (MMR), imposed by regulators to avoid a repeat of the lax lending and "liar loans" common before the financial crisis, has already curtailed borrowers from taking jumbo-sized mortgages. From October, the Bank of England will force lenders to keep a tight rein on lending at high income multiples (although its new cap of four-and-a-half times joint income is curiously identical to the nine times income that prices have already reached). ...
Average London Help to Buy buyer wage? £80,395 image
Source : Telegraph [Read Article] Thursday 29th of May 2014 01:26:16 PM
.... The second of these numbers is the most eye-catching, especially when compared to the £49,046 average nationally. It is distorted by some being based on joint incomes, although the proportion is not disclosed. ...
How do we tackle the housing market crisis? By the experts image
Source : Guardian [Read Article] Saturday 24th of May 2014 11:05:33 PM
.... The epicentre is London, and it is fuelled at the top by foreign individuals purchasing houses for cash or with funding from their own country. The move by Lloyds to restrict residential mortgages to four times joint income for loans over £500,000 is a sensible one, but it will mean many young Londoners being unable to buy in the capital. ...
Lloyds' mortgage lending cap: what it means for borrowers and house prices image
.... Lloyds has immediately stopped lending to borrowers where the sum required is above £500,000 and more than four times their income. That means four times single income, where there is just one borrower; or four times joint income, where a couple is applying. ...
Mortgage clampdown is too late and too harsh image
Source : Telegraph [Read Article] Monday 28th of April 2014 01:15:45 PM
.... . Despite a perfect credit history, a reliable £200,000 joint income and a pool of other assets, the pair were turned down for a £600,000 loan on a £1m property in the North London, their broker told me. ...

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