Case Study: Remortgage in Devon for an Extension

Introduction We recently helped our returning customers in Devon, remortgage their home to consolidate existing credit card debt and release additional funds for a planned property extension. Our customers wanted to combine their existing mortgage, unsecured borrowing and home improvement funding into one mortgage. After comparing the options available through their existing lender and the… Read more
Acquisition Finance Explained

What Is Acquisition Finance? Acquisition finance is funding used to buy another business, part of a business, company shares, or business assets. It is often used where a buyer does not want to pay the full purchase price in cash, or where using all available cash would place too much pressure on working capital after… Read more
Bridging Loans for Listed Buildings

Can you get a bridging loan on a listed building? Yes, bridging finance can be used to buy, renovate, or refinance a listed building, particularly where a standard mortgage is not suitable at the outset. Listed buildings can be more complex because of consent requirements, specialist repairs, valuation concerns, and lender caution. A bridging loan… Read more
OpCo PropCo mortgages

OpCo PropCo mortgages Explained If your business owns or plans to buy a commercial property, you may have heard the term OpCo PropCo mentioned by an accountant, solicitor, or lender. In simple terms, an OpCo PropCo structure separates the trading business from the property it operates from. It is common in commercial mortgage lending and… Read more
Relevant Life Insurance Explained for Company Directors

Relevant Life Insurance Explained: Tax Efficient Life Cover for Company Directors and Employees If you run a company or you are a director, you have probably heard someone mention relevant life insurance and wondered if it is just another complicated insurance product with a fancy name. In practice, it is much simpler than it sounds.… Read more
Can I Get a Mortgage If I Have an IVA

Can I Get a Mortgage If I Have an IVA? It is possible to get a mortgage if you have an Individual Voluntary Arrangement (IVA), although your options are likely to be more limited than someone with a clean credit history. Many high street lenders will automatically decline applicants with an active or recently completed… Read more
Case Study: Remortgage to Buy Out Ex-Partner in Alton

Introduction We recently helped our customer arrange a remortgage in Alton, Hampshire, to buy out their former partner and retain ownership of their home following a relationship separation. What made things difficult was affordability. Our customer was a self-employed company director whose business had reported a loss in its most recent trading year, making it… Read more
Joint Life Insurance vs Two Policies

Joint Life Insurance or Two Policies? Expert Advice for Couples When you’re building a life with someone, there’s a lot to think about, shared finances, future plans, and protecting each other should the worst happen. Life insurance often comes up in those conversations, and one of the first questions you might face is whether to… Read more
Re-bridging To A New Bridging Loan

Should You Rebridge To A New Bridging Loan Or Refinance Another Way When you first took out your bridging loan, you probably had a clear plan. You expected to sell, refinance, or complete works within a set timeframe. Then life happened. A sale fell through, builders ran late, planning dragged on, or the mortgage you… Read more
UK Commercial Mortgage for Expats and Foreign Nationals

Commercial Mortgages for Expats & Overseas Buyers UK If you are living abroad or moving from overseas and want to invest in property, you may be wondering how to secure a commercial mortgage. For expats and foreign nationals, arranging this type of finance can be more complex than a standard mortgage. Lenders often see international… Read more
Life Insurance on weight loss jabs

Does Weight Loss Jabs Affect Life Insurance Cover If you are using weight loss jabs such as Ozempic or Mounjaro, it is completely normal to wonder how it affects your life insurance. You might be taking medication to support weight management, to improve blood sugar control, or as part of a wider plan recommended by… Read more
Second Charge Mortgage vs Remortgage

Second Charge Mortgage vs Remortgage: Which Is Better for Raising Money? If you own a property and need to raise additional money, two options you may come across are remortgaging and taking out a second charge mortgage, often referred to as a secured loan. Both can allow you to borrow against the equity in your… Read more

Category: Knowledge