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You are here: Home / Archives for Loans

by Payam Azadi

Escaping the payday loan trap by refinancing

Remortgage to pay off debts

If you have taken out a payday loan in the past getting a mortgage will be harder depending on your past conduct and timescales. Payday loans are one way of making the month feel shorter but what can be a “one off” can mean the next month is even … [Read more...]

Filed Under: Loans

by Payam Azadi

Buy to Let Secured Loan even if first charge lender refuses permission

buy to let mortgage

Release equity on your buy to let property but still, keep the competitively priced existing mortgage in place even if your current lender does not give consent for a  Buy to Let Secured Loan. There are some excellent buy to let existing first … [Read more...]

Filed Under: Loans

by Payam Azadi

Guide to Second Mortgage products

second Mortgage

Consolidate personal debt, Raise money , Pay tax bill, complex income streams a second mortgage might be the right solution for you.  Money can be tight particularly in the months of December, January and February so I thought … [Read more...]

Filed Under: Loans

by Payam Azadi

Buy to let capital release keep the good mortgage rate and still raise money

Buy to Let Mortgage Rental Calculation

Buy to let capital release to fund deposits I speak to Landlords daily and often hear impart this sentiment: “My current interest rate on my buy to let mortgage is great so I don’t want to change it. However the property has gone up in value and I … [Read more...]

Filed Under: Loans

by Payam Azadi

Finance options for short time self employed applicants

self employed mortgage

What are your finance options if you have been Self employed for a few months and need to raise money  Niche Advice has access to many different types of Finance options. If you have only been self employed for a few months getting a standard … [Read more...]

Filed Under: Loans

by Payam Azadi

Debt consolidate and keep the existing interest only mortgage

secured loans niche advice

Need to raise money but want to keep the existing interest only mortgage Interest only mortgages are by and large reserved for the rich these days so capital raising can be a real problem if the lenders won’t  allow you to remortgage. but we have a … [Read more...]

Filed Under: Loans

by Payam Azadi

I need to Remortgage but my credit report shows missed mortgage payments

Bad credit mortgage

Getting finance with Missed mortgage payments in the past  In experience missed mortgage payments are the by-product of an event but lenders and other brokers may not even give you the chance to explain and write you off. From my perspective I … [Read more...]

Filed Under: Loans

by Payam Azadi

Borrow up to 7 times income with a Second Mortgage

Remortgage to pay off debts

Want to borrow up to six or seven times your income if so a Remortgage may not be your best option. Debt consolidate and capital raising options Most mortgage lenders limit borrowing to 4 to 5 times your income but we have access to … [Read more...]

Filed Under: Loans, Remortgage

by Payam Azadi

Secured Loans On Buy to Let Properties

secured loan

Consolidating debt and capital raising on secured loans on buy to let properties Secured loans can be an effective way of consolidating personal debt; and when secured on buy to lets they could drive down your property income tax bill in the process … [Read more...]

Filed Under: Loans

by Payam Azadi

Secured loan with bad credit for Buy to Let Properties

buy to let mortgage

Secured loan with bad credit may be an option if you need to raise extra equity from your Buy to Let properties. Over the last year I have spoken to many applicants who are existing landlords but were caught up with the recent financial crisis which … [Read more...]

Filed Under: Loans Tagged With: Buy to let Secured loan with bad credit

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Payam Azadi

UK Mortgage for Asylum Seekers on a Refugee Visa

Asylum seekers on a refugee visa Mortgage options from the Experts This article is aimed at mortgages for Asylum seekers on a Refugees Visa who are … [Read More...]

Payam Azadi

Mortgage for Foreign Students on a Tier 4 Visa

Mortgage options for Students on a Tier 4 Visa in the UK This article is aimed at foreign students on a Tier 4 Visa who are in the UK who are … [Read More...]

Payam Azadi

Declined Buy to let mortgage due to background property portfolio stress test

The background property portfolio stress test is stopping borrowing more There could be a variety of reasons why you've been turned down for a … [Read More...]

AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Niche Advice Limited is a Credit Broker and does not lend money directly to clients. Niche Advice Limited is authorised and regulated by the Financial Conduct Authority. FCA Number: 750263.

Commercial Buy-to-Let and commercial mortgages are not regulated by the Financial Conduct Authority.

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A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234567.

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