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Hypothekenmakler - Professional service - Financing company. salaried department Towergate Financial Group's own brokers currently have a salaried department with 35 consultants and an independent department with around 28 consultants. However, the aim is to increase the total number of consultants by at least 20 over the next 12-month period, particularly in the independent department.

The change from an employee consultant to an independent consultant is currently possible after the consultants have stayed with the law office for 12 month. She now halves the amount of work that new consultants must have done with their salaried department before they become self-employed to six month. She also introduces assisted self-employment.

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Recent budgets are trying to tackle some of these problems, especially with regard to first-time purchasers, but what does the Ministry of Finance's new residential policy mean to you? Which are the stamp tax changes? Probably the most significant shift in the recent budgets is the elimination of stamp duty for all first-time purchasers of houses worth up to £300,000.

It will also provide a reduction in stamp duty on houses up to £500,000, with the first £300,000 still duty free. However, the Welsh authorities plan to shift the stamp tax in April 2018, so that they can decide to completely eliminate the stamp tax by that date. Mr Philip Hammond has claimed that the changes in stamp duties will have a beneficial effect on almost all first-time purchasers, with 95% anticipating a reduction in stamp duties and an estimate of 80% of them not at all.

It has been proposed by some that the changes will only really work to the advantage of first-time purchasers in the south of England - especially in the south-east - as many houses in the north were already below the stamp duty level, or at least at lower levels. Government has committed 44 billion in total funding for residential construction to achieve its goal of 300,000 new dwellings each year by 2025.

£1.1 billion will also be spent on the redevelopment of strategically located areas and 400 million has been mortgaged to residential areas considered most in need of renovation and refurbishment.

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