Can you still get you a mortgage over five times salary and if so what is needed The answer is “yes” but it depends on your personal circumstances but its not going to be easy to get a … Read More →
News
Changes to the Family Buy to Let Mortgage product in the UK
Buy to Let Mortgages to rent to family members rules – Information on Regulated Buy to Let Mortgages If you want to buy a house and rent it to a family member such as your children (aged over 18 … Read More →
Mortgage Conveyancing explained
What does a Mortgage conveyancer /solicitor do when a property is purchased and how does this effect my house purchase chances? My role as a Mortgage Broker is to obtain finance to purchase a property requires me to … Read More →
What do mortgage lenders look for in your bank statements?
If you are applying for a mortgage then the chances are the lender will want to see your bank statements, but why are these relevant? [toggle title=”Affordability“]Bank statements normally display the monthly income and outgoings of a household. … Read More →
Top 10 Mortgage valuation problems
Mortgage valuation problems & what property defects are mortgage lenders looking for in their valuation? When you are arranging a mortgage the lender will carry out a basic mortgage valuation. This article covers the Top 10 Mortgage valuation … Read More →
What documents do I need to get a Residential Mortgage?
In short: Mortgage lenders need to verify your income, identity, address and deposit before they will lend. Exactly what you supply depends on how you earn (employed, self-employed, company director), the type of purchase (residential, buy-to-let, Right to … Read More →
Mortgage with a criminal record
A mortgage when you have a criminal record An unspent conviction does not automatically rule out a mortgage — we look at which lenders may consider your circumstances. Free initial review · No obligation Important information THINK CAREFULLY … Read More →
Why its time to Remortgage to a fixed rate
5 year Fixed Mortgage rates from 2.44% maybe its time to Remortgage to a fixed rate now In recent years remortgages have not been as popular as they once were as rates have been so low, however both … Read More →
Buy to let Mortgage Limited Companies
Key points on Buy to let Mortgage Limited Companies and how the finance side of things work Following the budget landlords have been turning to limited company wrappers for their portfolios but is there only an upside? Moving assets … Read More →
Deposit levels needed to get a Mortgage with a default
Your guide on getting a Mortgage with a Default. Read below about how much deposit you need and what are the maximum limits on past defaults. The good news is I specialist in mortgages for customers with defaults on … Read More →
Deposit levels needed to get a Mortgage with a CCJ
How much deposit do I need to get a Mortgage with a CCJ This article is about obtaining mortgage finance if you have a county court judgement (ccj). It is aimed at residential mortgage customers who want a … Read More →
Mortgage with bad credit Update July 2015
Getting a Mortgage with Bad credit including CCJs, Default, Missed payment and debt management plans. Residential and Buy to Let Mortgages with Bad Credit Missed payments on loans and Credit cards County Court Judgements (CCjs) And Defaults Unsecured … Read More →
Halifax withdraws its 1% cashback first-time buyer mortgages
Halifax in a shock withdrawal of its 1% cashback mortgage incentive for first-time buyers only giving a few hours for full application to be submitted. I was very disappointed to read an email timed at 4 O’clock this … Read More →
5 things you need to know about getting a mortgage with a Visa
If your a Foreign national looking to get a mortgage with a Visa you really need to read my tips 1. Not all brokers are the same When it comes to foreign national mortgages and getting mortgage with … Read More →
SA302 & Tax Year Overviews for a Mortgage
In short: An SA302 is the official HMRC tax calculation that summarises the income and tax you declared for a tax year. Mortgage lenders pair it with the matching HMRC tax year overview to verify self-employed or self-declared … Read More →