[{"text_idx": "#000001", "text": "Canllaw i werthu neu rentu eiddo masnachol\nCanllaw i brynu neu rentu eiddo masnachol\nPam defnyddio Adran Fasnachol Williams & Goodwin?\nMae Williams & Goodwin yn rhan o rwydwaith o tua 800 o werthwyr tai ledled y DU, felly ni fyddwch byth yn bell o un o\u2019n partneriaid. Cliciwch uchod i ddod o hyd i\u2019ch gwerthwyr tai lleol."}, {"text_idx": "#000004", "text": "Edrychwch ar ein canllawiau sy\u2019n ymdrin a\u0302 phrynu a gwerthu eiddo.\nMae Williams & Goodwin yn rhan o rwydwaith o tua 800 o werthwyr tai ledled y DU, felly ni fyddwch byth yn bell o un o\u2019n partneriaid. Cliciwch uchod i ddod o hyd i\u2019ch gwerthwyr tai lleol."}, {"text_idx": "#000006", "text": "Y rhesymau dros ddewis Williams & Goodwin.\nSefwch allan yn y dorf drwy ymuno a\u0302 thi\u0302m Williams & Goodwin\nBydd pob cwmni gwerthu tai yn honni mai nhw yw\u2019r gorau. Yn Williams & Goodwin The Property People rydym yn gadael i'n cwsmeriaid wneud y siarad."}, {"text_idx": "#000009", "text": "Bydd pob cwmni gwerthu tai yn honni mai nhw yw\u2019r gorau. Yn Williams & Goodwin The Property People rydym yn gadael i'n cwsmeriaid wneud y siarad."}, {"text_idx": "#000011", "text": "Many homeowners dream of property investment for the immaculate sense of achievement and financial opportunities that come with it, which is why more than one in 10 of us in the UK own a second home. If you\u2019re thinking about taking the plunge, here\u2019s a guide to get you started."}, {"text_idx": "#000012", "text": "Decide what your plans are for your second home"}, {"text_idx": "#000013", "text": "There are many reasons why you may be considering buying a second home, some of these include:"}, {"text_idx": "#000014", "text": "\u2022 To have a weekend retreat, either in the city or the countryside"}, {"text_idx": "#000015", "text": "\u2022 To own a home in your favourite holiday location"}, {"text_idx": "#000016", "text": "\u2022 To invest your savings into a home which will grow in value"}, {"text_idx": "#000017", "text": "\u2022 To help a family member get on the property ladder"}, {"text_idx": "#000018", "text": "\u2022 To become a property developer"}, {"text_idx": "#000019", "text": "Research the area. What are the other listings like and are they in good condition? Whether you want to secure a return on investment or find the perfect holiday home, you will need to make sure your property is structurally sound, is situated in an area with strong demand and will be suitable for the lifestyle of any possible target demographics. If you need further help, get in touch with your local Guild Member to clarify your plans, ask for advice and see your project through to completion."}, {"text_idx": "#000021", "text": "Second homes incur a stamp duty surcharge of 3% on top of the normal rate. If you plan to take out a mortgage, you\u2019ll need a deposit of at least 15%, or 25% if you plan on letting the property out. If you later sell a second home for more than you originally paid, you might be hit with a capital gains tax bill."}, {"text_idx": "#000022", "text": "Using equity to buy a second home"}, {"text_idx": "#000023", "text": "If you own your home outright and are looking to buy another, you can remortgage your home rather than take out a second mortgage. You can check how much equity you have in your home by deducting the remaining amount left on your mortgage from the current value of your home. If you have enough equity, you could increase the mortgage on your main home in order to release money to purchase your second home."}, {"text_idx": "#000025", "text": "City Life vs Country Life"}]