If your a Foreign national looking to get a mortgage with a Visa you really need to read my tips 1. Not all brokers are the same When it comes to foreign national mortgages and getting mortgage with a Visa things are likely to be different … [Read more...] about 5 things you need to know about getting a mortgage with a Visa
HMRC SA302 & Tax Year Overviews for getting a Mortgage
Evidencing income you self-declare tax on - SA302 & Tax Year Overviews for Mortgage Lenders. A HMRC SA302 & Tax Year overviews will be required for any given year requested. Please read below … [Read more...] about HMRC SA302 & Tax Year Overviews for getting a Mortgage
Woolwich Mortgages have made another change to their affordability criteria
Woolwich will now lend up to 5 times income for certain type of mortgages. Surprise, surprise Woolwich Mortgages have decided to change their mind again and put in yet another income multiple revision. Historically Woolwich mortgages was one of the … [Read more...] about Woolwich Mortgages have made another change to their affordability criteria
Abbey – Santander changes Mortgage income rules for First Time Buyers
Bad news as Abbey - Santander changes Mortgage income rules for First Time Buyers to 4.49x income. As if things where not bad enough we have seen yet another lender real under pressure of the regulators by introducing even more prudent loan to … [Read more...] about Abbey – Santander changes Mortgage income rules for First Time Buyers
Guide to getting a Mortgage for self-employed applicants
2015 guide on getting a Mortgage for self-employed applicants. A must read for all entrepreneurs looking to buy property. Following the regulatory mortgage market review (MMR) last year the lenders have implemented changes to the way they assess … [Read more...] about Guide to getting a Mortgage for self-employed applicants
Different lenders affordability criteria
Where do I stand on the lenders affordability criteria, following all the changes in recent months? Maximum affordability is the ‘real issue’ facing the UK mortgage market, and not rates. In this article I will explain why rate has become secondary … [Read more...] about Different lenders affordability criteria
Woolwich limits income multiples for applicants with less than 20% deposits
This message only relates to applicants with less than 20% deposits with Woolwich who will see there income multiples reduced. Woolwich are the latest lender to succumb market pressures and have reduced their loan-to-income ratio to a maximum of … [Read more...] about Woolwich limits income multiples for applicants with less than 20% deposits
Uk’s Cheapest 10 year fixed mortgage
Niche Advice and Woolwich for Intermediaries offers Uk’s Cheapest 10 year fixed mortgage at 2.99% From tomorrow 07/01/2015 we are introducing the UK’s lowest ever 10 year fixed rate mortgage at 2.99% for residential loans up to 60% LTV. The … [Read more...] about Uk’s Cheapest 10 year fixed mortgage
Buy to Let Mortgage without early repayment charges
Godiva Buy to Let Mortgage without early repayment charges and free valuation from 2.55% The Godiva Buy to Let Mortgage without early repayment charges product is very attract to buy to let landlords as it provides them with the flexibility at a … [Read more...] about Buy to Let Mortgage without early repayment charges
Buy to Let 5 year fixed rate 3.75% rate
Post Office for Intermediaries Buy to Let 5 year fixed rate 3.75% rate The Post Office for Intermediaries Buy to Let 5 year fixed rate 3.75% rate is designed to attract buy to let landlords with the long term security of a low set payments. The … [Read more...] about Buy to Let 5 year fixed rate 3.75% rate
