Category: HMO / Multi-Unit Mortgages
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Buy to Let Mortgage Lowest Deposit
Buy to Let Mortgages from 15% Deposit If you’re thinking about becoming a landlord or growing your property portfolio, the size of the deposit needed for a buy to let mortgage is likely high on your list of concerns. While many lenders require a substantial deposit, there are still opportunities to access buy to let Read more
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HMO Mortgages for First-Time Landlords
Can First-Time Landlords Secure an HMO Mortgage? Entering the property investment market as a first-time landlord can be both exciting and daunting. House in Multiple Occupation (HMO) properties, where multiple tenants share communal areas, can offer a lucrative opportunity but come with unique challenges. As a first-time landlord, you might wonder if it’s possible to Read more
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When Will Your Mortgage Be Pre-Approved?
When Will Your Mortgage Be Pre-Approved? Key Steps and Timelines Obtaining a pre-approved mortgage is a crucial step in the home-buying process. It provides you with an understanding of how much you can borrow and reassures sellers of your financial capability. At Kerr & Watson, we specialise in guiding you through the mortgage process, ensuring Read more
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How Long Does Mortgage Application Approval Take?
Mortgage Application Approval: What to Expect and How to Speed Up the Process Applying for a mortgage is a significant step in your home-buying journey, and one of the most common concerns is how long it takes to get a mortgage application approved. The timeline can vary depending on several factors, including the complexity of Read more
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Buy to Let Mortgage Based on Rental Income
Buy to Let Mortgages: Securing a Loan Based on Rental Income Investing in the right buy-to-let properties can be a lucrative venture, offering the potential for steady rental income and long-term capital growth with the asset appreciating. However, securing a buy-to-let mortgage can sometimes be complex, especially when relying primarily only on rental income rather Read more
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Finance for Sui Generis Property
How to Get a Mortgage for Sui Generis Properties If you own or are buying a property that sits outside the usual planning use classes, hopefully this page will be useful to you. What sui generis means in practice Sui generis is a planning term used when a property does not fall under the usual Read more
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HMO Mortgage Advisor
Acquiring a mortgage for a House in Multiple Occupation (HMO) can be a complex and challenging. With numerous considerations such as HMO-specific mortgage rates and regulatory requirements, the process requires a nuanced approach. This is where an HMO Mortgage Advisor becomes an invaluable asset, guiding you through the labyrinth of HMO homeownership. The Mortgage Process Read more
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Buy to Let Mortgage Deposits
Buy to Let Mortgage Deposits: Everything You Need to Know Before Investing in Property Investing in property can be a lucrative venture, and buy-to-let mortgages are a popular choice for those looking to enter the rental market when they can not buy with cash or prefer not to use all of their own funds. Understanding Read more
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Buy To Let Mortgage With No Minimum Income
How to Secure a Buy to Let Mortgage Without a Regular Income Investing in property can be a lucrative way to generate income, especially with the right mortgage. But what if you don’t have a regular income? Many believe it’s impossible to get a buy to let mortgage without meeting a minimum income threshold, but Read more
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Buy to Let Mortgage Advisor
Navigating the complexities of a buy to let mortgage can be challenging. These mortgages have their unique set of challenges and considerations, from understanding rental income to specific mortgage requirements. This is where a specialised Buy to Let Mortgage Advisor becomes a crucial part of your journey. Understanding the Buy to Let Mortgage Process For Read more
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Why are BTL Fees so high?
Understanding Buy-to-Let Mortgage Fees Buy-to-Let (BTL) investments have become increasingly popular, but many landlords find themselves puzzled by the perceived high fees associated with these mortgages. Understanding the reasons behind these costs can help you make informed decisions. At Kerr & Watson, we provide expert advice to help you navigate the complexities of BTL fees Read more
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What is the Buy to Let Stress Test and Will I Pass It?
Understanding the Buy to Let Stress Test If you’re considering investing in a buy-to-let property, understanding the intricacies of mortgage applications is advised. One key aspect that often confuses potential landlords is the Buy to Let (BTL) stress test. This test is a significant part of the mortgage approval process, and passing it is essential Read more
