Mortgage Documents Required

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 income. You can … [Read more...] about SA302 & Tax Year Overviews for a Mortgage

[box title="AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY, IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS." bg_color="#4c4c4c" icon="info-circle" icon_style="border" icon_shape="circle" align="center" text_color="#ffffff"][/box] If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay. Niche Advice Limited is a Credit Broker and does not lend money directly to clients. Niche Advice Limited is authorised and regulated by the Financial Conduct Authority.

FCA Number: 750263.

Commercial Buy-to-Let and commercial mortgages are not regulated by the Financial Conduct Authority.

HMO Mortgages: How They Work and What Lenders Look For

What this article covers Right — if you're looking at a house, picturing it carved up into individual rooms with separate tenants, and wondering why your usual mortgage broker has gone quiet on you, here's the thing about HMO mortgages: they sit in their own world. They're not standard buy to let with a bigger number on the end. The lender panel is different, the way the property gets valued is different, and the questions you'll get asked are different. We regularly advise on these cases, and borrowers can come unstuck when they assume an HMO would be financed like any other rental. It won't … [Read More...] about HMO Mortgages: How They Work and What Lenders Look For