Restrictive Covenant Mortgages

Mortgage with a Restrictive Covenant: What Buyers Need to Know Buying a property is an exciting step, but if the property has a restrictive covenant, it could complicate things. Restrictive covenants can limit how a property is used or developed, which may concern some mortgage lenders. At Kerr & Watson, we specialise in providing personalised… Read more
Buying a Property as a Limited Company

Buying Property Through a Limited Company: Pros, Cons & Expert Advice Purchasing property through a limited company has become an increasingly popular option for property investors and landlords. With potential tax benefits, limited liability, and the ability to build a more flexible property portfolio, this route can be very appealing. However, it’s not suitable for… Read more
Bridge to Let Loans: Fast Property Financing Solutions

Fast Bridge to Let Loans for Property Investment If you’re a property investor seeking to purchase a property quickly or one in need of refurbishment, a Bridge to Let loan might be the ideal solution. These specialised loans bridge the gap between short-term financing and long-term property investment, providing flexibility and speed when traditional mortgages… Read more
Mortgages For UK Expats In Canada

UK Mortgage Solutions for British Expats in Canada Living abroad opens up exciting opportunities, but for UK expats in Canada, the mortgage landscape for UK property can feel daunting. Whether you’re buying your first home, refinancing an existing property, or expanding your portfolio, understanding your options is essential. At Kerr & Watson, we specialise in… Read more
What Makes a House Habitable for Mortgage

What Makes a House Habitable for a Mortgage (and What Makes It Unmortgageable?) When applying for a mortgage, the condition of the property is just as important as your income or credit score. Lenders need to be confident that the property is safe, secure, and suitable to live in from day one. If it isn’t,… Read more
Mortgages for UK Expats in Australia

UK Mortgages for Australian-Based Expats Securing a mortgage while living abroad can be daunting, especially for UK expats in Australia. You may have settled in a beautiful part of the world such as Sydney, Melbourne, Brisbane, Perth, and Adelaide. Despite this, having UK property is still very important to some expats. Different lender criteria, currency… Read more
Let to Buy Mortgages Explained

Understanding Let to Buy Mortgages Navigating the property market can be challenging, especially when you’re looking to move but haven’t yet sold your existing home. A Let to Buy mortgage offers a solution, allowing you to rent out your current property and purchase a new one. What is Let to Buy? Let to Buy involves… Read more
Case Study: Buy-to-Let Remortgage to Consolidate Debt

Summary We recently helped a landlord in Chorley remortgage their buy-to-let property to raise funds to repay significant credit card debt. The case was more complex because the customer’s income consisted mainly of maintenance payments and Universal Credit, with no trading income yet from their recently established limited company. We therefore needed to find a… Read more
Pros & Cons of Buy-to-Let via a Limited Company

Buying a Buy-to-Let Property Through a Limited Company: Pros, Cons, Tax Savings & Mortgage Insights Pros of Buying a Buy-to-Let Property Through a Limited Company More Tax Efficiency For Some Investors One of the main attractions of using a limited company is the potential tax benefits. Rental income received by individuals is subject to income… Read more
What are Swap Rates and How Do They Affect Mortgage Rates?

Introduction Swap rates hold significant sway on mortgage rates, particularly the Sterling Overnight Index Average (SONIA) swap rates within the UK market. We will look into what swap rates are and their effect on mortgage rates. What is an Interest Rate Swap? Interest rate swaps involve a contractual deal where two parties exchange sets of… Read more
Airbnb Mortgages

Understanding Airbnb Mortgages: A Guide to Financing Your Short-Term Rental Property With the rise of platforms like Airbnb, more property owners and investors are exploring the potential lucrative opportunities offered by short-term rentals. However, financing an Airbnb property isn’t as straightforward as securing a standard mortgage. Whether you’re considering purchasing a property specifically for Airbnb… Read more
Case Study: Buy-to-Let Product Transfer for Immediate Stability

Summary We recently helped a landlord in Bristol arrange a product transfer on their buy-to-let property just 10 days before the existing mortgage was due to move onto the lender’s standard variable rate. The customer had an interest-only mortgage with BM Solutions and wanted to secure a fixed rate quickly. Because of the short timeframe… Read more

Category: Buy To Let Mortgages