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
In short: Development finance is capped two ways: against the finished value (loan-to-GDV) and against the total build cost (loan-to-cost), with the lender advancing the lower of the two. Understanding both ratios, and how they interact with the cash … [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
In short: There is no single maximum age for a mortgage. Lenders set their own limits, usually on your age at the end of the term (often 70 to 85, sometimes higher). What matters most is provable income into retirement; specialist and later-life … [Read more...] about Maximum Age Mortgage Approval Explained
Commercial Mortgage up to 75% Loan to value
In short: A commercial mortgage funds property used for business — offices, shops, warehouses or owner-occupied premises — usually up to around 75% loan-to-value. Lenders assess the property, the strength of the business and the rental or … [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