Halifax and BM Solutions Product Transfers for Free

Free Mortgage Service for Halifax and BM Solutions Product Transfers Since the Mortgage Market Review Halifax for Intermediaries and BM Solutions (formerly known as Birmingham Midshires) have been reluctant to engage their existing customers as they are not able to offer advice. However, the good news is products can still be accessed by a registered authorised mortgage intermediary such as Niche Advice Limited. By providing some basic … [Read More...]

Auction Finance for Property

Niche-advice

How to remortgage your buy to let property after you have bought it with bridging finance Bridging Finance has its place but most that use it cannot wait until the day it is repaid. It burns a whole in the deepest of pockets with crippling monthly fees repayments or the roll up of interest. The natural way to repay the loan is by effectively transferring the debt into a traditional secured finance: ‘a remortgage’. The remortgage could be on a … [Read More...]

Foreign National Mortgages

UK Mortgage with visa

 UK Mortgages with a Tier 1 or Tier 2 visa, up to 90% loan to value for foreign national applicants Niche Advice offers specialist mortgages for the following: 1. All Foreign Nationals with Tier 1 and Tier 2 Visa’s 2. 90% Mortgages for applicants 3. Advice around deposit and legal processes 4. No upfront broker fees payable until the purchase is completed For more information on Mortgages for foreign nationals please contact us on T: 020 7993 2044 or alternatively complete the simple enquiry form on the top right hand side of this page. Payam Azadi is a partner at Niche … [Read More...]

Will I Get Tax Relief On My Pension Contributions

Do I qualify for tax rebate on what I’m paying into my pension? There are two main criteria when assessing whether you will qualify for tax relief on your pension contributions: Whether you are considered to be a ‘relevant UK person’ How much you have already contributed in the year As you might expect there any many legal technicalities round the qualification for tax relief on personal pensions. In this short article I will provide … [Read More...]

Will Writing

writing a will

I can put off writing my Will – can’t I? New Year’s Resolutions are apparently made to be broken, and many people set off at the turn of the year with good intentions to write their Will but here we are in February and so it goes on. The truth is if you are one […]

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Buy to Let Mortgage

Buy to Let Remortgage 5 year fixed rate at 4.34%

Abbey for Intermediaries Buy to Let Remortgage 5 year fixed rate at 4.34% fantastic for landlords looking to fix now. Avid followers of my blogs will appreciate I don’t tend to comment on lender’s latest mortgage rates as they are constantly changing, and by the time you get the message out - they could be on the move again. That said every now and again such a competitive buy-to-let mortgage rate comes up I cannot resist in sharing the good news, and as a landlord myself; I would certainly hang my hat on this gem. The Buy to Let Remortgage 5 year fixed rate at 4.34% product ticks all the … [Read More...]

HMO Mortgages

HMO Mortgage Guide 2014

HMO mortgage options - lenders criteria - and some of the challenges faced by landlords. There are two main types of HMO mortgage applicants the ‘haves and the have-nots’. In this article am going to talk about the ‘haves’ i.e. applicants who are established landlords who want to get into the House In Multiple Occupation (HMO) sector or are looking to refinance existing stock. Do not be put off if you are a first time landlord looking to get into HMO mortgages as I have got some fantastic solutions for that option too but it’s just not going to be covered in this article. Experienced … [Read More...]

Mortgages with bad Credit

Bad Credit mortgage needed after a divorce

I have a few Defaults and CCJs after a messy divorce can I get a mortgage even if I have got bad credit? I would say almost around 35% of all the adverse mortgage enquiries received are to do with a relationship or marital bust up in the past. When tempers are frayed the responsibility for shared financial payments can get muddled and become a bone of contention as the relationship sours. Many … [Read More...]

 is a partner at Niche Advice Ltd who are Independent Financial and Mortgage Advisers in London. Google