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 mortgage when you have a property portfolio as there are so many boxes you have to tick but there is … [Read more...]
Mortgage and product news, best buys and tips
Up to 10 times Income Multiple Remortgage
I never thought I'd be writing about 10 times income multiple for a mortgage.Looking back income multiples have come a long way to get to 10 times. Initially they were 2.75 to 3 times the Main earners income plus once times the Second applicant’s … [Read more...]
Time to Fix your Mortgage Express Rosinca Mortgages Buy-to-let Trackers:
It may be time to come off the Tracker rates of Mortgage Express Rosinca Mortgages Is now the right time to switch your buy-to-let mortgage from Mortgage Express (Rosinca Mortgages) variable Tracker to a Fixed Rate? Remortgage or Product … [Read more...]
Student Let Mortgage for Landlords
Student Let Mortgage products explained for new and existing Buy to Let landlords within the student accommodation sector. How we can help? Access to the Whole of Market Totally Independent from Estate Agents and DevelopersWe only charge a fee … [Read more...]
GOTO Group RICS Homebuyer & Building Survey
RICS Homebuyer Report & RICS Building Survey via GOTO Survey At Niche Advice we have partnered with GOTO Group to provide our clients with a range of professional services including Homebuyer & Building Surveys. The information … [Read more...]
How long should I take my mortgage over?
I need help deciding on my mortgage term length. The "mortgage term" is the common way for expressing the length of your mortgage. How long should I take my mortgage over is a question that should be asked and thought through by every Mortgage … [Read more...]
Using 100% of your Second Income for a Mortgage Application
What you need to know about Second jobs for Mortgages and how Mortgage lenders view Second Incomes. The employment world has changed considerably in the last decade with the emergence of the gig economy, home deliveries and the demise of the … [Read more...]
Access to Over 30 Council Right to Buy Mortgage Lenders in the UK
We can help you buy rour Home with a Council Right to Buy Mortgage Since the pandemic Right-to-Buy mortgages have been scarce for customers with requirements outside of “Mainstream” Mortgage Lenders. Recent self-employed and Right-to-Buy … [Read more...]
HMO Mortgage Guide Frequently asked questions by my Clients
House of Multiple Occupancy HMO Mortgage Questions and Answers HMO Mortgage is a vast subject surrounded by myths. In this snapshot, we attempt to cover some of the more frequently asked questions on HMOs to help provide guidance. As with all … [Read more...]
