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 … Read More →
News
Are Low Deposit Buy to Let Mortgages worth it?
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 … Read More →
How children affect mortgage applications
Solutions on minimising the impact of children on your Mortgage affordability. “Once upon a time” is how the children stories go: getting a mortgage with or without children made no difference. Then the mortgage affordability assessment was based … Read More →
Mortgages for EU Nationals now Brexit has taken place.
The availability of mortgages for European Nationals after Brexit is an interesting subject. As we sit in February 2020 Brexit has been ratified. The next eleven months will shape the path ahead until this point there should not … Read More →
Getting a Mortgage with missed Mortgage Arrears in Scotland
Traditionally Scotland has not been as well served by the Specialist Mortgage Lenders. This has meant it’s harder for applicants to obtain mortgages than for their counterparts South of the border. Try it FREE for 30 days, then … Read More →
Buy to Let Mortgage Limited Company or 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 … Read More →
Getting a Mortgage with missed Mortgage Arrears in the past
Missed mortgage payments stopping me getting a residential mortgage This “At A Mortgage Glance Guide” is the first in a series on mortgage arrears and the size of deposit or equity required in your property needed to obtain … Read More →
Buy to let mortgages for vulnerable tenants
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 … Read More →
Getting a Mortgage above the purchase price
Borrowing above the purchase price on a property is only allowed in certain instances and restricted to home improvements. Getting a Mortgage above the purchase price is most commonly seen in the case of Right to Buys. You … Read More →
Best Portfolio landlord Buy to let Mortgage Rates
Looking for a high street mortgage rate for buy to let properties as a portfolio landlord. On the face of it, this challenge sounds straight forward however the reality is many of the best priced mortgage products are … Read More →
Fixed rate without early repayment charges
[table][tr][th]Initial Rate: 1.79%[/th] [th]Subsequent Rate: 4.99%[/th][/tr][/table] Any property used as security, which may include your home. may be repossessed if you do not keep up repayments on your mortgage Important Information Residential and Buy to Let Mortgages Rates current … Read More →
Interest only Buy to let Debt Consolidation
Should you Remortgage your Buy to Let to pay off some debts Debt consolidation has often gravitated towards mortgages. Attracted by the low interest rates, options to fix, overpay and borrow large amounts it’s easy to see why. … Read More →
Mortgage to stop your bankruptcy
Anul your bankruptcy and save your credit record and your home Before I raise false hope here you need to have sizeable equity in your property, probably changed your occupation to an employed position, have at least a … Read More →
Mortgage Declined by Nationwide
Been declined for a mortgage due to credit conduct we can help? Nationwide are the country’s largest building society and as a mutual company, they will always look to protect their members by running tight lending criteria. It’s … Read More →
Missed Mortgage payments
Mortgage Arrears stopping you get a new mortgage? Mortgage Lenders do not like lending to applicants who have had a track record of missing mortgage payments. In fact, apart from not paying a tax bill, it is the … Read More →