What this article covers Right — if you're paid under the Construction Industry Scheme and you've been told you "can't get a proper mortgage" or that you need three years of accounts before anyone will look at you, here's the thing: that's often not … [Read more...] about CIS Subcontractor Mortgages: How Lenders Read Your Income
Mortgage With One Year’s Accounts: Who Lends and How Your Figures Get Assessed
In short Yes — you can get a mortgage with one year's accounts. A smaller pool of specialist lenders will consider a single year of finalised figures, particularly where the trading is consistent, the business is established in its field, and the … [Read more...] about Mortgage With One Year’s Accounts: Who Lends and How Your Figures Get Assessed
Unregulated Bridging Loans Explained
Key takeaways Unregulated bridging loans are short-term property loans for cases that fall outside FCA mortgage rules — typically investment, buy-to-let, and commercial property you will not occupy as your home. "Unregulated" does not mean dodgy or … [Read more...] about Unregulated Bridging Loans Explained
Capital Raising With a Bridging Loan: How It Works and When It Fits
Key takeaways A capital raising bridging loan is short-term finance secured against property you already own, arranged to release equity quickly — often for a business purpose, an investment, or to fund another transaction. It is repaid from a … [Read more...] about Capital Raising With a Bridging Loan: How It Works and When It Fits
Bridging Loan for a Short-Lease Property: How It Works
Key takeaways A bridging loan for a short-lease property lets you buy or hold a flat a normal mortgage lender will refuse on lease-length grounds. You complete short-term, extend the lease, then exit by refinancing onto a standard mortgage or … [Read more...] about Bridging Loan for a Short-Lease Property: How It Works
Sole Trader Mortgages: How Lenders Really Assess You
What this article covers Right — if you're a sole trader and you've been putting off the mortgage conversation because you're worried your accounts won't stack up, here's the thing you need to hear first: the problem usually isn't your business. It's … [Read more...] about Sole Trader Mortgages: How Lenders Really Assess You
Spouse Visa Mortgages: How Lenders Assess You and What You’ll Need
Key takeaways A spouse visa does not bar you from a UK mortgage. It changes which lenders will consider you and on what terms. The amount of time left before your next visa renewal is frequently the single biggest factor — often more decisive than … [Read more...] about Spouse Visa Mortgages: How Lenders Assess You and What You’ll Need
Bridging Loans in Personal Name or Limited Company, Regulated or Unregulated — How We Frame Your Case Before We Shop the Lenders
Key takeaways Every bridging case sits on four axes: entity (personal name vs limited company SPV), regulation (regulated vs unregulated), purpose (purchase-only vs purchase plus works), and valuation basis (purchase price vs open-market value). A … [Read more...] about Bridging Loans in Personal Name or Limited Company, Regulated or Unregulated — How We Frame Your Case Before We Shop the Lenders
FCA-Regulated Bridging Loans — When the Regulation Applies, What Protection It Gives You, and How We Run a Regulated Case
Key takeaways A bridging loan is FCA-regulated when the security property is, or is intended to be, occupied as a dwelling by the borrower or a close family member. That is the statutory test under Article 61 of the Regulated Activities Order — it … [Read more...] about FCA-Regulated Bridging Loans — When the Regulation Applies, What Protection It Gives You, and How We Run a Regulated Case
How to Read Our Bridging Loan Calculator Result — What the Figures Mean, What’s Indicative, and What Changes When You Call
Key takeaways Our bridging loan calculator gives you an indicative read — a figure close enough to plan around, sourced from our lender panel's engine. It is not a quote. The figure that catches people out is the gap between the gross loan (the … [Read more...] about How to Read Our Bridging Loan Calculator Result — What the Figures Mean, What’s Indicative, and What Changes When You Call