How we frame your bridging case across entity, regulation, purpose and valuation basis — before we shop the lender panel. A calm broker explainer. … Read More →
News
FCA-Regulated Bridging Loans — When the Regulation Applies, What Protection It Gives You, and How We Run a Regulated Case
When is a bridging loan FCA-regulated? The Article 61 test, the MCOB protections you get, three myths debunked, and how we run a regulated case. … Read More →
How to Read Our Bridging Loan Calculator Result — What the Figures Mean, What’s Indicative, and What Changes When You Call
How to read our bridging loan calculator: gross vs net loan, fee basis, interest treatment, what’s indicative and what changes when you call. … Read More →
I’ve Run Out of Money Finishing My Build — How Bridging Finance Can Get You to Completion + Exit
Run out of money mid-build? How a heavy refurbishment bridge finishes the internals, the gross vs net loan, and the BTL exit. General info from a broker. … Read More →
Cross-Charge Bridging: How to Use Equity in Your Home to Buy Another Property (Without a Residential Remortgage)
Written by Payam Azadi — Director, Niche Advice Limited. CII Certificate in Mortgage Advice (CertMA), FCA-recognised RQF Level 3. 20+ years specialist mortgage broking experience. Reviewed by Richard Stokes — Compliance Director, Niche Advice Limited. CII Diploma in … Read More →
Bad Credit mortgage needed after a divorce
I have a few Defaults and CCJs after a messy divorce can I get a mortgage even if I have got a bad credit? I would say almost around 35% of all the adverse mortgage enquiries received are … Read More →
The Developer’s Guide to Bridging & Development Finance Ratios
In short: Development finance is capped two ways: against the finished value (loan-to-GDV) and against the total build cost (loan-to-cost), with the lender advancing the lower of the two. Understanding both ratios, and how they interact with the … Read More →
HMO Conversion Finance Costs in the UK: Purchase Refurb Funding
Compare HMO Conversion Finance Costs: Two Main Funding Routes Explained The story of HMO Conversion projects – In 2024, the number of mandatory and additional HMO licenses that were granted across Great Britain was 23,947. As I write, … Read More →
Maximum Age Mortgage Approval Explained
In short: There is no single maximum age for a mortgage. Lenders set their own limits, usually on your age at the end of the term (often 70 to 85, sometimes higher). What matters most is provable income … Read More →
Mortgage Lenders vs HMRC Deadlines: When Self-Employed Borrowers Must File Self-Assessment for 2025 Mortgages
SA302 and Tax Year Overview requirements for getting a Mortgage If you are a sole trader, landlord or limited company director, you are probably familiar with the 31st January deadline for filing online self-assessments. The reality is you … Read More →
Wills and Trusts: Key Questions Answered
Understanding the Importance of Wills and Trusts A Will is a legal document activated at death, directing how your estate will be distributed. In contrast, a Trust can be in effect during your lifetime or triggered upon death. … Read More →
Commercial Mortgage up to 75% Loan to value
In short: A commercial mortgage funds property used for business — offices, shops, warehouses or owner-occupied premises — usually up to around 75% loan-to-value. Lenders assess the property, the strength of the business and the rental or owner-occupier … Read More →
Getting a Loan on Right to Buy property you have purchased
So you already have a Right to buy property. You’re in your 5-year redemption discount period and need a Loan on Right to Buy property In recent years, there has been a remarkable surge in Right to Buy … Read More →
Executor Loans – How to Obtain Financing for Executors
Executor Loan – Monetary Advance Against The Value Of An Estate When “time is of the essence,” an Executor Loan could be the solution you’ve been searching for. The loss of a loved one is always distressing, but … Read More →
Mortgage with Vested Shares and UK Lenders
Getting a UK Mortgage with Vested Shares, even if paid in foreign currency! If you are reading this article on getting a mortgage with Vested Shares, you have probably been scratching your head as to why the majority … Read More →