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Credit Check

Mortgage with bad credit Update July 2015

Getting a Mortgage with Bad credit including CCJs, Default, Missed payment and debt management plans. Payam Azadi9 Jul 2015Updated 1 May 20263 min read

Residential mortgages

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. Payam Azadi25 Jun 2015Updated 9 Oct 20232 min read

Mortgages

Foreign nationals and visas

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 Payam Azadi18 Jun 2015Updated 8 Jul 20263 min read

HMRC sa302 tax

Self-employed and complex income

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… Richard Stokes1 Jun 2015Updated 8 Jul 20265 min read

Residential mortgages

Woolwich Mortgages have made another change to their affordability criteria

Woolwich will now lend up to 5 times income for certain type of mortgages. Payam Azadi8 Apr 2015Updated 25 Feb 20172 min read

mortgages bad

Residential mortgages

Abbey – Santander changes Mortgage income rules for First Time Buyers

Bad news as Abbey - Santander changes Mortgage income rules for First Time Buyers to 4.49x income. Payam Azadi11 Feb 2015Updated 25 Feb 20172 min read

Self-employed and complex income

Guide to getting a Mortgage for self-employed applicants

2015 guide on getting a Mortgage for self-employed applicants. A must read for all entrepreneurs looking to buy property. Payam Azadi6 Feb 2015Updated 1 May 20264 min read

Holiday home mortgage

Residential mortgages

Different lenders affordability criteria

Where do I stand on the lenders affordability criteria, following all the changes in recent months? Payam Azadi3 Feb 2015Updated 1 May 20264 min read

Woolwich mortgage

Residential mortgages

Woolwich limits income multiples for applicants with less than 20% deposits

This message only relates to applicants with less than 20% deposits with Woolwich who will see there income multiples reduced. Payam Azadi17 Jan 2015Updated 1 May 20261 min read

Uk’s Cheapest 10 year fixed mortgage

Uk’s Cheapest 10 year fixed mortgage

Niche Advice and Woolwich for Intermediaries offers Uk’s Cheapest 10 year fixed mortgage at 2.99% Payam Azadi7 Jan 2015Updated 1 May 20262 min read

Godiva-Mortgages-Buy-to-letj

Buy to Let Mortgage without early repayment charges

Godiva Buy to Let Mortgage without early repayment charges Payam Azadi21 Dec 2014Updated 1 May 20262 min read

post office mortgage

Buy to Let 5 year fixed rate 3.75% rate

Post Office for Intermediaries Buy to Let 5 year fixed rate 3.75% rate Payam Azadi11 Dec 2014Updated 1 May 20263 min read

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