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	<title>Mayo Wynne Baxter &#187; Mike Bowen</title>
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	<link>http://www.mayowynnebaxter.co.uk/blog</link>
	<description>The Mayo Wynne Baxter Blog</description>
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		<title>New builds and allowances</title>
		<link>http://www.mayowynnebaxter.co.uk/blog/new-builds-and-allowances/</link>
		<comments>http://www.mayowynnebaxter.co.uk/blog/new-builds-and-allowances/#comments</comments>
		<pubDate>Thu, 24 May 2012 20:27:14 +0000</pubDate>
		<dc:creator>Mike Bowen</dc:creator>
				<category><![CDATA[Stamp Duty]]></category>
		<category><![CDATA[new builds]]></category>

		<guid isPermaLink="false">http://www.mayowynnebaxter.co.uk/blog/?p=2425</guid>
		<description><![CDATA[You need to be careful if the developer offers to pay your stamp duty on a property worth £250,000 then that is a taxable benefit. So if they pay tax of £2,500 being 1% that is not correct as the taxable amount is £252,500 which is charged at 3% meaning you pay tax on a... <a class="readmore" href="http://www.mayowynnebaxter.co.uk/blog/new-builds-and-allowances/">Read the rest of this post (No Comments)</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Rhino</title>
		<link>http://www.mayowynnebaxter.co.uk/blog/rhino/</link>
		<comments>http://www.mayowynnebaxter.co.uk/blog/rhino/#comments</comments>
		<pubDate>Wed, 23 May 2012 08:19:15 +0000</pubDate>
		<dc:creator>Mike Bowen</dc:creator>
				<category><![CDATA[Residential Property]]></category>
		<category><![CDATA[Rhino]]></category>

		<guid isPermaLink="false">http://www.mayowynnebaxter.co.uk/blog/?p=2420</guid>
		<description><![CDATA[I could not cut this down to size to tweet but it amused me&#8230;.. I have a client who sent an email to me with a  copy to the agents which was a sort of rant for the agents benefit not mine. She emailed me to say she hoped I did not take offence as... <a class="readmore" href="http://www.mayowynnebaxter.co.uk/blog/rhino/">Read the rest of this post (No Comments)</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Euro and how it can affect us</title>
		<link>http://www.mayowynnebaxter.co.uk/blog/the-euro-and-how-it-can-affect-us/</link>
		<comments>http://www.mayowynnebaxter.co.uk/blog/the-euro-and-how-it-can-affect-us/#comments</comments>
		<pubDate>Tue, 22 May 2012 20:05:21 +0000</pubDate>
		<dc:creator>Mike Bowen</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Euro]]></category>
		<category><![CDATA[mortgage rates]]></category>

		<guid isPermaLink="false">http://www.mayowynnebaxter.co.uk/blog/?p=2410</guid>
		<description><![CDATA[The EU is in danger of becoming a sort of Eurovision song Contest with different blocks doing their own thing (and besides who decided Azerbaijan is in Europe!) Personally I have never been pro EU but leaving that to one side (and never ask Mrs B for her view as she is only just to the... <a class="readmore" href="http://www.mayowynnebaxter.co.uk/blog/the-euro-and-how-it-can-affect-us/">Read the rest of this post (No Comments)</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>You would think this was obvious but</title>
		<link>http://www.mayowynnebaxter.co.uk/blog/you-would-think-this-was-obvious-but/</link>
		<comments>http://www.mayowynnebaxter.co.uk/blog/you-would-think-this-was-obvious-but/#comments</comments>
		<pubDate>Mon, 21 May 2012 19:33:31 +0000</pubDate>
		<dc:creator>Mike Bowen</dc:creator>
				<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.mayowynnebaxter.co.uk/blog/?p=2407</guid>
		<description><![CDATA[Mortgage lenders are being told by three different bodies The Financial Stability Board The Financial Services Authority and Some European directive on Credit  That there should be effective verification of income and other financial information upon which lending decisions are based; lending based on &#8220;reasonable debt coverage,&#8221; taking into account borrowers’ credit commitments and non-discretionary... <a class="readmore" href="http://www.mayowynnebaxter.co.uk/blog/you-would-think-this-was-obvious-but/">Read the rest of this post (No Comments)</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Stamp Duty Land Tax</title>
		<link>http://www.mayowynnebaxter.co.uk/blog/stamp-duty-land-tax/</link>
		<comments>http://www.mayowynnebaxter.co.uk/blog/stamp-duty-land-tax/#comments</comments>
		<pubDate>Thu, 10 May 2012 08:15:08 +0000</pubDate>
		<dc:creator>Mike Bowen</dc:creator>
				<category><![CDATA[Stamp Duty]]></category>
		<category><![CDATA[land tax]]></category>
		<category><![CDATA[Stamp Duty Land Tax]]></category>

		<guid isPermaLink="false">http://www.mayowynnebaxter.co.uk/blog/?p=2375</guid>
		<description><![CDATA[Todays exciting blog is about Stamp Duty Land Tax (SDLT). Try and stay awake until the end as we all know tax is really interesting (well if you are an accountant). SDLT works as follows:  up to 125K you pay nothing then  up to 250K you pay 1% 250K-500K 3% and 500K &#8211; 2M 5%... <a class="readmore" href="http://www.mayowynnebaxter.co.uk/blog/stamp-duty-land-tax/">Read the rest of this post (1 Comment)</a>]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Trees</title>
		<link>http://www.mayowynnebaxter.co.uk/blog/trees/</link>
		<comments>http://www.mayowynnebaxter.co.uk/blog/trees/#comments</comments>
		<pubDate>Wed, 09 May 2012 13:33:59 +0000</pubDate>
		<dc:creator>Mike Bowen</dc:creator>
				<category><![CDATA[Residential Property]]></category>
		<category><![CDATA[Town and Country Planning]]></category>
		<category><![CDATA[TPO]]></category>
		<category><![CDATA[tree preservation orders]]></category>
		<category><![CDATA[trees]]></category>

		<guid isPermaLink="false">http://www.mayowynnebaxter.co.uk/blog/?p=2343</guid>
		<description><![CDATA[Our house is called The Firs because it has fir trees. Given the choice I would cut the damn things down and call it Firless but Mrs B likes them. I think they block the light the roots make the drive (car park bit) buckle and they are very expensive to trim or whatever the... <a class="readmore" href="http://www.mayowynnebaxter.co.uk/blog/trees/">Read the rest of this post (No Comments)</a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How to avoid repossession</title>
		<link>http://www.mayowynnebaxter.co.uk/blog/how-to-avoid-repossession/</link>
		<comments>http://www.mayowynnebaxter.co.uk/blog/how-to-avoid-repossession/#comments</comments>
		<pubDate>Fri, 04 May 2012 08:55:01 +0000</pubDate>
		<dc:creator>Mike Bowen</dc:creator>
				<category><![CDATA[Repossession]]></category>
		<category><![CDATA[repossession]]></category>

		<guid isPermaLink="false">http://www.mayowynnebaxter.co.uk/blog/?p=2316</guid>
		<description><![CDATA[Repossessions are sadly still a fact of life and still affect many people. Levels of repossession are down which is good. We used to do mortgage rescue work with various housing associations which was a good scheme the Government had in place which allowed housing associations to buy the property pay off the lender and the... <a class="readmore" href="http://www.mayowynnebaxter.co.uk/blog/how-to-avoid-repossession/">Read the rest of this post (No Comments)</a>]]></description>
		<wfw:commentRss>http://www.mayowynnebaxter.co.uk/blog/how-to-avoid-repossession/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Flooding</title>
		<link>http://www.mayowynnebaxter.co.uk/blog/flooding/</link>
		<comments>http://www.mayowynnebaxter.co.uk/blog/flooding/#comments</comments>
		<pubDate>Thu, 03 May 2012 11:42:12 +0000</pubDate>
		<dc:creator>Mike Bowen</dc:creator>
				<category><![CDATA[Residential Property]]></category>
		<category><![CDATA[flood risk]]></category>
		<category><![CDATA[Flooding]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://www.mayowynnebaxter.co.uk/blog/?p=2327</guid>
		<description><![CDATA[Despite the the recent heavy downpours we are in the middle of a drought. This unseasonally high rainfall has meant that some parts of the UK are suffering from heavy flooding. We have been fortunate that most areas near Sussex have only had minor floods. As mentioned in previous blog posts on environmental searches; flooding is a risk and a hot... <a class="readmore" href="http://www.mayowynnebaxter.co.uk/blog/flooding/">Read the rest of this post (No Comments)</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Communication is the name of the game</title>
		<link>http://www.mayowynnebaxter.co.uk/blog/communication-is-the-name-of-the-game/</link>
		<comments>http://www.mayowynnebaxter.co.uk/blog/communication-is-the-name-of-the-game/#comments</comments>
		<pubDate>Wed, 02 May 2012 09:54:48 +0000</pubDate>
		<dc:creator>Mike Bowen</dc:creator>
				<category><![CDATA[Residential Property]]></category>

		<guid isPermaLink="false">http://www.mayowynnebaxter.co.uk/blog/?p=2297</guid>
		<description><![CDATA[I thought for my younger readers I would give you an insight into communication when I first started – 32 years ago and how we communicate now. Now when I started we had moved on from quills and inkwells (just). However most of our work was done by typists using manual typewriters bashing (quite literally... <a class="readmore" href="http://www.mayowynnebaxter.co.uk/blog/communication-is-the-name-of-the-game/">Read the rest of this post (No Comments)</a>]]></description>
		<wfw:commentRss>http://www.mayowynnebaxter.co.uk/blog/communication-is-the-name-of-the-game/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>New Buy</title>
		<link>http://www.mayowynnebaxter.co.uk/blog/new-buy/</link>
		<comments>http://www.mayowynnebaxter.co.uk/blog/new-buy/#comments</comments>
		<pubDate>Fri, 27 Apr 2012 09:46:00 +0000</pubDate>
		<dc:creator>Mike Bowen</dc:creator>
				<category><![CDATA[First Time Buyers]]></category>
		<category><![CDATA[Residential Property]]></category>
		<category><![CDATA[first time buyers]]></category>
		<category><![CDATA[government first time buyers scheme]]></category>
		<category><![CDATA[NewBuy scheme]]></category>

		<guid isPermaLink="false">http://www.mayowynnebaxter.co.uk/blog/?p=2307</guid>
		<description><![CDATA[The NewBuy Scheme (see http://www.mayowynnebaxter.co.uk/blog/government-aid-to-first-time-buyers/) has been amended so it can assist people who want to sell and move up the ladder. Whilst not brilliant, for the reasons stated in my earlier blog - i.e. the money disappears into developers pockets rather than moving into the general market,  it may help sellers who are unable to... <a class="readmore" href="http://www.mayowynnebaxter.co.uk/blog/new-buy/">Read the rest of this post (No Comments)</a>]]></description>
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