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You are here: Home / Archives for Mortgages / Buy to Let Mortgage

by Payam Azadi

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

buy to let mortgage

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...]

Filed Under: Buy to Let Mortgage

by Payam Azadi

Time to Fix your Mortgage Express Rosinca Mortgages Buy-to-let Trackers:

Rosinca Mortgages

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...]

Filed Under: Buy to Let Mortgage

by Payam Azadi

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...]

Filed Under: Buy to Let Mortgage

by Payam Azadi

Buy To Let Foreign Nationals Tier 1 Tier 2 Visa

Personal names and Limited Company Buy To Let Mortgage for Foreign Nationals In this article, I explore the options for foreign national buy to let mortgages.The text is aimed at mortgage applicants who live and work in the UK but are on … [Read more...]

Filed Under: Buy to Let Mortgage, Foreign National Mortgage

by Payam Azadi

Setting a Limited Company for Buy to Let Mortgage

Limited Company for Buy to Let Mortgage

If you are looking to set up a limited company for Buy to Let mortgage purposes then you should find this mortgage article a useful read. I’m a professional Mortgage Broker and will tell the story from a mortgage perspective.  Why is the … [Read more...]

Filed Under: Buy to Let Mortgage

by Payam Azadi

Buy to Let Tax Advice is a Must

buy to let mortgage

Surely Buy to Let Tax Advice has got to be the way? I’m a professional Buy to Let Mortgage Adviser who as a matter of course always suggest my landlords seek tax advice. The offset of interest relief against profit is all but gone if you own … [Read more...]

Filed Under: Buy to Let Mortgage

by Payam Azadi

How Limited company Buy to Let rental calculations are assessed

Limited company Buy to Let rental calculations

In this article, I discuss the workings of a rental calculation for a Limited Company mortgage. Lets review how we work out Limited company Buy to Let rental calculations by a formula with two components: rental coverage and interest … [Read more...]

Filed Under: Buy to Let Mortgage

by Payam Azadi

Are Low Deposit Buy to Let Mortgages worth it?

low deposit buy to let mortgage

Lets compare 85%, 80% and 75% Loan to Value Buy To Let Mortgages. I’m a professional Mortgage Broker and in many conversations start by the potential customer stating “I want to purchase a buy to let using a mortgage with the least amount of … [Read more...]

Filed Under: Buy to Let Mortgage

by Payam Azadi

Buy to Let Mortgage Limited Company or Personal Name?

Buy-to-Let-Limited-Company and personal name

Mortgages criteria for both Limited Company or Personal Name options. Before I delve into the details can I start with the age old adage: "there's always two sides to a story", whilst Limited Company buy to lets are trendy, particularly on … [Read more...]

Filed Under: Buy to Let Mortgage

by Payam Azadi

Buy to let mortgages for vulnerable tenants

buy to let mortgage

Society has become more adept at recognising "vulnerable" persons and thankfully this is now bleeding into the buy to let mortgage market. Historically there was only a clutch of buy to let lenders who supported the use of let properties for … [Read more...]

Filed Under: Buy to Let Mortgage

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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...]

Payam Azadi

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. … [Read More...]

Payam Azadi

BRRR 85% LTV bridging loan for property refurbishment

BRRR Finance Refurb Projects to 85% LTV bridging on day 1 May be excitement and refurb finance don’t naturally gel together but this 85% Loan to … [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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