s one of the few elements of investing that you can control small increase in savings can make a huge difference/meraxes.polarmobile.com:443/image/v1.0.0/bin/5b89688948e3edcb230d7d36/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=s one of the few elements of investing that you can control small increase in savings can make a huge difference/meraxes.polarmobile.com:443/image/v1.0.0/bin/5b89688948e3edcb230d7d36/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=
Have first-time buyers been priced out of Help to Buy? How to avoid the new 'death tax' charge
| Wednesday, November 7, 2018 |
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Telegraph Money | | The week's most important personal finance news, analysis and expert advice, from pensions and property to investment ideas and savings tips. |
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The Telegraph take | | By Sophie Christie personal finance reporter |
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| Struggling first-time buyers who rely on the Government's flagship Help to Buy scheme to get on the property ladder will face severe restrictions from 2021, following changes announced by the Chancellor during last month's Budget.
Launched in April 2013, the scheme has helped 169,102 people in England to buy a home by offering a government loan worth 20pc of the price of a new-build property.
However, regional price caps to be introduced will drastically limit buyers' choice. Telegraph Money reporter Adam Williams has calculated that a third of new-builds will be too expensive to qualify for Help to Buy.
These are some of the numerous towns and cities where first-time buyer flats and modest family homes will be priced out of the scheme. Is your neighbourhood affected?
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| Government reveals plans for 'Dutch-style' pensions: how much could you get? |
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| A new 'death tax' will see some estates paying up to 6,000 – here's how to avoid it |
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| Henry Blofeld: 'Sky paid me 1,000 a day then ditched me after a year. It was unpleasant' |
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| 'Am I wrong to haggle on holiday when I can easily afford to pay full price?' |
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| | | Diary of a private investor: 'With shares down and Brexit unease, I've taken action' | | |
| | | Misleading, convoluted investment documents are 'like a satnav that guides you off a cliff' | | |
| | | UK income fund manager: 'The end of austerity won’t alter our investment strategy' | | |
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| Why we can expect this trust’s 10pc discount to disappear on December 6 |
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| A bombshell for the portfolio as one stock falls by almost a quarter. What should we do? |
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| Buy translation firm SDL for its high barriers to entry, rising sales and improving margins |
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You have the last word... |
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| Ian Dale said about 'HMRC issued an arrest warrant in my name': "They prey on the old and vulnerable. Despite me telling an elderly neighbour that any phone call from someone she doesn’t know is almost certainly a scam to steal money, she comes for help almost every week with one of these."
Aloysius Jones said about the 'new death tax': "It would seem the only things not taxed to extortionate levels are fresh air and the unconditional love of and for your own family. No doubt the Government would love to tax those as well."
Richard Yates said about our Diary of a Private Investor: "If you have a balanced portfolio that includes gilts, corporate bonds etc., these should compensate for falls in equities, at least to large extent, making it unnecessary to sell at a loss and then have to re-enter the market at a higher price." |
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| Contact us: to pose a question to our team of expert reporters, email moneyexpert@telegraph.co.uk. If you'd like a free financial plan, email money@telegraph.co.uk with the subject 'Give me a Money Makeover'. |
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