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Self-employed and complex income
Foreign nationals and visas
Spouse Visa Mortgages: How Lenders Assess You and What You’ll Need
Spouse visa mortgage explained: how lenders treat your visa, what affects your deposit, what counts toward income, and the documents to have ready before you apply.
Bridging finance
Bridging Loans in Personal Name or Limited Company, Regulated or Unregulated — How We Frame Your Case Before We Shop the Lenders
How we frame your bridging case across entity, regulation, purpose and valuation basis — before we shop the lender panel. A calm broker explainer.
Bridging finance
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.
Bridging finance
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.
Bridging finance
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.
Bridging finance
Cross-Charge Bridging: How to Use Equity in Your Home to Buy Another Property (Without a Residential Remortgage)
A cross-charge (sometimes called a second charge over your existing property) lets you raise the deposit — or sometimes the whole purchase price — for a new property by securing the borrowing against the…
Adverse credit
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?
Bridging finance
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…
Buy to let
HMO Conversion Finance Costs in the UK: Purchase Refurb Funding
Compare HMO Conversion Finance Costs: Two Main Funding Routes Explained
Residential mortgages
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…
Self-employed and complex income