Do I need to get a new mortgage following the HMO licencing changes? When do I have to obtain a HMO licence?Normally you’re obliged to inform your Mortgage Lender of any significant material changes to the property or its tenancy arrangements. For … [Read more...] about Do I need to get a new mortgage following the HMO licencing changes?
Commercial Mortgage for Day Nursery childcare businesses
Getting a Commercial Mortgage for Day Nursery childcare providers in the UK. Obtaining finance can be a daunting but at Niche we can help you access to some great Commercial Mortgages suited for new and existing Nurseries & Nursery School … [Read more...] about Commercial Mortgage for Day Nursery childcare businesses
Should I take the free legal scheme offered by my mortgage provider?
Are free legal products a gimmick? Most of the leading lender's and building society’s offer a free legal basic service on remortgages – but why? The mechanics Firstly, the Conveyancers will not be undertaking their work for love so you ahve to … [Read more...] about Should I take the free legal scheme offered by my mortgage provider?
Mortgage and Property Down Valuation
What can I do if my Mortgage Lender down values my property. How does this property Down Valuation effect my chances of getting a mortgage. Property Down Valuation is infuriating to all concerned if it reduces the amount you can borrow from a … [Read more...] about Mortgage and Property Down Valuation
Bank Statements for Mortgage Applications
Best format for gathering your bank statements for Mortgage Applications including how to get statements with https:// on them. In our experience, one of the biggest causes of delay when gathering documentation for mortgage applications is … [Read more...] about Bank Statements for Mortgage Applications
Questions & Answers in regards to the new New Stamp Duty Rules
Questions & Answers in regards to the new New Stamp Duty Rules and how it can impact second homes. Please see table of Stamp Duty rates below, in short if you own more than one house then the second house rate applies unless it is to change … [Read more...] about Questions & Answers in regards to the new New Stamp Duty Rules
What is the Mortgage Credit Directive
What is the Mortgage Credit Directive and how it will impact some Mortgages in the UK In essence this European Legislation has been bought in to raise standards and standardise documentation across the Member States to improve consumer protection … [Read more...] about What is the Mortgage Credit Directive
Mortgage Conveyancing explained
What does a Mortgage conveyancer /solicitor do when a property is purchased and how does this effect my house purchase chances? My role as a Mortgage Broker is to obtain finance to purchase a property requires me to keep you updated until the … [Read more...] about Mortgage Conveyancing explained
Write a Will in 2014 and protect your loves ones
I can put off writing my Will – can’t I? New Year’s Resolutions are apparently made to be broken, and many people set off at the turn of the year with good intentions to write their Will but here we are in February and so it goes on. The … [Read more...] about Write a Will in 2014 and protect your loves ones
Redundancy Insurance options
Legal & General ‘Lifetsyle’ Redundancy Cover Reviewed Loosing your job is a scary thought for most employees so protecting your income through redundancy cover is an excellent idea. This is even more important if you have taken on a large credit … [Read more...] about Redundancy Insurance options
