Financial Services
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Home Buyer Mortgage
First Time Buyer Guide to buying your own home.
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Home Mover Mortgage
Elevate your move with our tailored Home Mover Mortgage for a smooth transition to your new dream home.
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Home Owner Remortgage
Refinance with our Home Owner Remortgage for better rates, releasing equity, or funding improvements—empowering your homeownership journey.
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Buy-to-Let Mortgage
Dive into property investment with our Buy-to-Let Mortgage, tailored for both seasoned investors and first-timers seeking to build a profitable portfolio.
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Holiday Let Mortgage
Transform your vacation home investment dreams into reality with a Holiday Let Mortgage,
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Green Mortgages
Green Mortgages 🌳 are a new type of mortgage that rewards you for making your home more energy efficient.
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Bad Credit
Mortgages Adverse Credit Mortgages 📉 are for people with a poor credit history.
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Private Medical Insurance
Cut NHS wait times with private medical care and private hospitals.
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Life Insurance
Pay off your mortgage if you or your partner die.
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Bridging Finance
Navigate property transitions seamlessly with our Bridging Finance, offering quick and secure solutions for your short-term financial needs.
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Auction Finance
Secure your auction triumph with Auction Finance, providing the financial backing needed to confidently bid and acquire your desired property.
Stamp Duty Increase
Today was the first increase in Stamp Duty (SDLT) the next is in April.
Property Buyers should be aware of current and upcoming Stamp Duty Land Tax (SDLT) increases.
As mortgage advisers, we can not advise borrowers on tax matters; we have a duty of guidance and information. The Government has an SDLT Calculator and your property conveyancer can calculate the exact amounts.
April Changes
A new (or returning) SDLT tax bracket of £125k to £250k is returned for home movers and landlords. Before this it was 0% SDLT up to £250,000 but for home movers a rate of 2% will be charged and for landlords 7%.
First-time buyers had 0% SDLT up to £425,000, which has been lowered to £300,000. From April the proportion of the house price above that amount will be charged at 5%.
In addition, previously, you could not claim the FTB discount if the purchase price was over £625,000, this has been decreased to £500,000.
Todays Changes (for Landlords)
A landlord buying a property for £240,000 would have been taxed:
🏠£7,200 Yesterday
🏠£12,000 Today
🏠£14,300 From April 1st.
SDLT Infographic
Get in touch
We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.
- Phone number
- 01133 205 902
- hello@cyborg.finance
- Postal address
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31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
Looking for career in Mortgage Advice? View job openings.
We are authorised and regulated by the Financial Conduct Authority (No. 919921). The FCA does not regulate most Buy to Let mortgages.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX