I have a few Defaults and CCJs after a messy divorce can I get a mortgage even if I have got a 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 … [Read more...] about Bad Credit mortgage needed after a divorce
The Developer’s Guide to Bridging & Development Finance Ratios
If you are looking for property funding, having bridging and development finance ratios explained is the first step to a successful application. Navigating terms like LTMV, LTGDV, and LTC can be challenging, but these … [Read more...] about The Developer’s Guide to Bridging & Development Finance Ratios
HMO Conversion Finance Costs in the UK: Purchase Refurb Funding
Compare HMO Conversion Finance Costs: Two Main Funding Routes Explained The story of HMO Conversion projects - In 2024, the number of mandatory and additional HMO licenses that were granted across Great Britain was 23,947. As I write, the … [Read more...] about HMO Conversion Finance Costs in the UK: Purchase Refurb Funding
Maximum Age Mortgage Approval Explained
Getting the maximum mortgage for older borrowers Why is age so important when getting a mortgage? In this article, I discuss the maximum age in relation to purchasing a residential property on a repayment mortgage, i.e., a property you intend … [Read more...] about Maximum Age Mortgage Approval Explained
Commercial Mortgage up to 75% Loan to value
Did you know we also arrange Commercial Mortgage products? Here’s how we can help your business grow. It’s become clear to us at Niche Advice that many of our clients – individuals we’ve helped with residential and buy-to-let mortgages – don’t … [Read more...] about Commercial Mortgage up to 75% Loan to value
Getting a Loan on Right to Buy property you have purchased
So you already have a Right to buy property. You're in your 5-year redemption discount period and need a Loan on Right to Buy property In recent years, there has been a remarkable surge in Right to Buy applications, as council tenants scramble to … [Read more...] about Getting a Loan on Right to Buy property you have purchased
High Mortgage Interest Rate? How to Remortgage in 2025.
How do I get off my high mortgage interest rate with a Remortgage, even with bad credit The history of High Mortgage Interest Rate products. It’s fair to say that the mortgage interest rates in the UK have been hovering around the 4 to 5% range … [Read more...] about High Mortgage Interest Rate? How to Remortgage in 2025.
5 Year Fixed Mortgage with only 2 Year Early repayment charge
Virgin Money Switch & Fix – Available through Intermediaries only, like Niche Advice a great 5 Year Fixed Mortgage with only 2 Year Early repayment charge In this article, I review Virgin Money’s Fix and Switch residential mortgage, which is … [Read more...] about 5 Year Fixed Mortgage with only 2 Year Early repayment charge
Right to buy mortgage with a CCJ or Default
How to get a Council home Right to buy mortgages with CCJ’s or defaults and missed payments In this article, we will focus on obtaining a Right to Buy mortgage with a CCJ or default that has been registered within the last three years. If the CCJ … [Read more...] about Right to buy mortgage with a CCJ or Default
Mortgage to Pay Tax Bill: Understanding Your Options
Using a Mortgage to Pay a Tax Bill – Expert Solutions for HMRC Debt This is an article about Mortgage to Pay a Tax Bill that has been unpaid, and you are looking for a resolution through property finance. It used to be that using property … [Read more...] about Mortgage to Pay Tax Bill: Understanding Your Options