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...]
Mortgage and product news, best buys and tips
Benefits of holding buy to let as Tenants In Common
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...]
Voluntary Right to Buy Mortgage
Information on the Midlands Voluntary Right to Buy mortgage If you are based in the Midlands you may be entitled to the Voluntary Right to Buy (VRTB) pilot scheme for housing association tenants - and if so maybe you’re looking for … [Read more...]
Getting a Mortgage with a job offer letter or employment contract
Mortgage within 3 months of your start date with a job offer letter or employment contract Mortgages with a job offer letter or employment contract are not generally available, however, there are 3 Mortgage Lenders that I’m aware of that are in this … [Read more...]
Choosing the right Solicitor for your limited company buy to let mortgage
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...]
I need a loan or mortgage to pay for my wedding
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...]
10 Year Fixed mortgage products are on the rise
Is it time to start looking at 10 Year Fix mortgage options Lock your mortgage payments into a long-term fixed rate It’s fair to say there currently economic uncertainty in the UK so why not cement your mortgage on a long term fix, say for … [Read more...]
Remortgage to convert your Buy to Let into an HMO
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...]
Do I need to get a new mortgage following the HMO licencing changes?
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...]
Mortgages for Barristers
Borrowing the maximum based on Barrister income The chances are if you are a Barrister and reading this article on ‘mortgages for Barristers’ it’s in the small hours of the day as I know how long you guys work. Obtaining the right mortgage if … [Read more...]
