I need help deciding on my mortgage term length. The "mortgage term" is the common way for expressing the length of your mortgage. How long should I take my mortgage over is a question that should be asked and thought through by every Mortgage … [Read more...] about How long should I take my mortgage over?
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Using 100% of your Second Income for a Mortgage Application
What you need to know about Second jobs for Mortgages and how Mortgage lenders view Second Incomes. The employment world has changed considerably in the last decade with the emergence of the gig economy, home deliveries and the demise of the … [Read more...] about Using 100% of your Second Income for a Mortgage Application
Access to Over 30 Council Right to Buy Mortgage Lenders in the UK
We can help you buy rour Home with a Council Right to Buy Mortgage Since the pandemic Right-to-Buy mortgages have been scarce for customers with requirements outside of “Mainstream” Mortgage Lenders. Recent self-employed and Right-to-Buy … [Read more...] about Access to Over 30 Council Right to Buy Mortgage Lenders in the UK
HMO Mortgage Guide Frequently asked questions by my Clients
House of Multiple Occupancy HMO Mortgage Questions and Answers HMO Mortgage is a vast subject surrounded by myths. In this snapshot, we attempt to cover some of the more frequently asked questions on HMOs to help provide guidance. As with all … [Read more...] about HMO Mortgage Guide Frequently asked questions by my Clients
Niche Advice Team and partners at this years Mortgage Introducer Awards
How to Get a Mortgage with children challenges and Solutions
In this article, I discuss how you can get a mortgage with children and the different complications involved in the process reviewing the different possible solutions that are currently available to would-be Mortgage holders. The Topics range … [Read more...] about How to Get a Mortgage with children challenges and Solutions
Interest rates are set to rise
Interest rates will go up so what now? Well we’ve certainly had it good with the Stamp Duty holiday and incredibly low interest rates throughout the summer. However, as the leaves start to drop the rates are starting slowing to go in the opposite … [Read more...] about Interest rates are set to rise
Maximum Mortgage Affordability Income Rules for UK Lenders
What is the maximum mortgage I can borrow? Probably the single most question I’m asked is: “what is the maximum mortgage I can borrow?” First there is a sense check and as the respective Lenders’ income multiples range between 4 to 5.5 times … [Read more...] about Maximum Mortgage Affordability Income Rules for UK Lenders
CIS Mortgage Scheme Broker how much can you borrow
If you work in the CIS Construction Industry then you will need a CIS Mortgage Scheme, then please read on The Construction Industry Scheme is technically a sub-contractor set up. In this article, we will discuss the CIS Mortgage Scheme and how … [Read more...] about CIS Mortgage Scheme Broker how much can you borrow
Best 5 Year Fixed Mortgage UK Index October 2021
Niche Advice Rate Tracker Index (NARTI) The Niche Advice Market Watch Rate Tracker Index (NARTI) looks into the progress of best mortgage rates 5 year fixed UK mortgage rates over the course of time. It is designed to show short term trends to … [Read more...] about Best 5 Year Fixed Mortgage UK Index October 2021
IR35 Contractor Mortgage Umbrella Company Daily Rate Mortgage
New Contractor Mortgage after IR35 Umbrella Company Employee Mortgage & Daily Rate products If you are reading this article you have probably been impacted by the IR35 tax changes from April 2021 affecting Contractor mortgages. You are not … [Read more...] about IR35 Contractor Mortgage Umbrella Company Daily Rate Mortgage
How to Improve your Credit Score before a Mortgage Application
Top tips to Improve your Credit Score from a Mortgage Broker A computerised decision tool known as "credit scoring" is often used by major high street banks to screen and reject unwanted mortgage applicants, and normally includes a credit … [Read more...] about How to Improve your Credit Score before a Mortgage Application
First Time Buyer Mortgage 5.5 times income with 10% deposit
From 26th April 2021, we will have access to an exciting new mortgage aimed at first time buyers which will allow them to borrow up to 5.5 times income on a mortgage. Where this is really special and exciting is it goes all the way up to 90% … [Read more...] about First Time Buyer Mortgage 5.5 times income with 10% deposit
Help to Buy Caps introduced on the maximum property value
Help to Buy England & Wales Update The Government Help to Buy Scheme has been a huge success and enabled many people become home owners who might otherwise have been excluded. The Help to Buy Scheme has been refined along the way and is now … [Read more...] about Help to Buy Caps introduced on the maximum property value
Top five year fixed Rates
Niche Advice Rate Tracker Index (NARTI) The Niche Advice Market Watch Rate Tracker Index(NARTI) looks into the progress of five year fixed mortgage rates over the course of time. It is designed to show short term trends to actively help applicants … [Read more...] about Top five year fixed Rates
