Property Newsletter - January   The beginning of the year is often a time to take stock. We at Your Move find that the property market really steps up in January, with many making New Years Resolutions about their personal finances and their property. Forward Forward this email to a colleague The Mortgage Market in 2012 Mortgage expert Sarah Davidson looks ahead to the mortgage market in 2012 and the year ahead for the property market: there is a lot of pessimism darkening our doors, but life goes on regardless. And there are things to be positive about.    Is your money working for you? Worried about your investments? In difficult times you can rely on bricks and mortar to weather the storm.      Time for Action First Time Buyers - in March 2012 your Stamp Duty Land Tax relief will be withdrawn. Act now on your purchase, and avoid paying up to £2500.    Property of the Month During December it can feel like you're living in a mad house. But with new conversions in what was once the City of London Lunatic Asylum it could be a reality!      No Refund If you find there's something wrong with a new home, you won't be able to take it back. That's why it's key to have a survey carried out on a property before you buy.    Share: YOUR MOVE is a trading name of your-move.co.uk Limited, registered in England at Newcastle House, Albany Court, Newcastle Business Park, Newcastle upon Tyne NE4 7YB (number 01865569). your-move.co.uk Limited is an appointed representative of First Complete Limited, which is authorised and regulated by the Financial Services Authority (FRN: 435779) for mortgage and non-investment insurance advice. VAT number GB842795983.