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Richard Stokes

Mortgage with Vested Shares and UK Lenders

by Richard Stokes

Mortgage with Vested Shares

Getting a UK Mortgage with Vested Shares, even if paid in foreign currency! If you are reading this article on getting a mortgage with Vested Shares, you have probably been scratching your head as to why the majority of UK Mortgage Lenders fail to … [Read more...] about Mortgage with Vested Shares and UK Lenders

How to Buy a Property and get a Lease extension with a Mortgage

by Richard Stokes

buying a flat with short lease mortgage.png

Lease Extension - How to Secure a Mortgage for a Short Lease Property and Extend It If you want to buy a property and need a Lease extension mortgage, this article is for you! Properties with short leases can be bargains and allow you to … [Read more...] about How to Buy a Property and get a Lease extension with a Mortgage

Niche Advice Team and partners at this years Mortgage Introducer Awards

by Richard Stokes

… [Read more...] about Niche Advice Team and partners at this years Mortgage Introducer Awards

IR35 Contractor Mortgage Umbrella Company Daily Rate Mortgage

by Richard Stokes

Contractor mortgages

New Contractor Mortgage after IR35 Umbrella Company Employee Mortgage & Daily Rate products If you are reading this article you have probably been impacted by the IR35 tax changes from April 2021 affecting Contractor mortgages. You are not … [Read more...] about IR35 Contractor Mortgage Umbrella Company Daily Rate Mortgage

Reasons for Writing a Will for Mortgaged Property

by Richard Stokes

Writing a Will for Mortgaged Property either residential or investment Writing a Will for Mortgaged Property is really a good idea, but it’s easy to put it off, and can result in avoidable tax on death and additional hardship and burdens for … [Read more...] about Reasons for Writing a Will for Mortgaged Property

Getting a buy to let mortgage with low EPC rating

by Richard Stokes

buy to let mortgage

Low EPC rating is stopping my buy to let mortgage plans If you have a low EPC rating then getting a conventional buy to let mortgage is nearly impossible. What is a low EPC rating? It’s the bracket your property falls under into terms … [Read more...] about Getting a buy to let mortgage with low EPC rating

Benefits of holding buy to let as Tenants In Common

by Richard Stokes

buy to let mortgage

Should I structure my buy to let as “Tenants In Common”? Should you structure your buy to let as “Tenants In Common” is a good question. Tenants In Common” is one of the most useful tools from a financial planning perspective including buy to … [Read more...] about Benefits of holding buy to let as Tenants In Common

Choosing the right Solicitor for your limited company buy to let mortgage

by Richard Stokes

mortgage for professionals

Can any solicitor or conveyancer help with limited company buy to let mortgages? Please can I start by saying we are not a legal firm but a Mortgage Broker that advises on limited company buy to let mortgages. From my perspective I take the … [Read more...] about Choosing the right Solicitor for your limited company buy to let mortgage

I need a loan or mortgage to pay for my wedding

by Richard Stokes

Borrow more on a remortgage using your ex-husband’s income? 

Borrowing to pay for your wedding Borrowing on a mortgage to pay for a wedding is not the ideal start of a married life but a reality for most. In a 2017 survey featured in The Independent the average cost of a wedding was £27,161 a figure that is … [Read more...] about I need a loan or mortgage to pay for my wedding

Remortgage to convert your Buy to Let into an HMO 

by Richard Stokes

hmo mortgages

Convert your Buy to Let property into an Houses in multiple occupation - HMO You may have been caught out by the reclassification of your property from a multi-let to HMO? As well as the licence itself the upgrade of the property to meet the HMO … [Read more...] about Remortgage to convert your Buy to Let into an HMO 

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