Why are BTL Fees so high?

Why Are Buy-To-Let Mortgage Fees So High? Buy-to-let mortgage fees can seem high because many lenders use arrangement fees to balance the interest rate, rental stress test and overall profitability of the product. In some cases, a buy-to-let mortgage with a high product fee may have a lower interest rate. This can help reduce the… Read more
UK Mortgages for Property Investors Based in Switzerland

Tailored UK Mortgage Solutions for Switzerland-Based Property Investors For property investors in Switzerland, whether Swiss nationals or UK expats, the UK property market offers attractive opportunities. Known for its stability, long-term growth potential, and diverse investment options, the UK remains a top choice for investors looking to secure a buy-to-let property, a family home, or… Read more
Mortgage Advice on Proof of Address & History

Can your address history affect your mortgage application? Yes — lenders use your address history to verify your identity, assess your credit profile, and carry out anti-fraud checks. If your address history is incomplete, inconsistent, or difficult to verify, it can delay your application or reduce your lender options. However, many lenders are still willing… Read more
How to get a Mortgage for a Freehold Flat

Can you get a mortgage on a freehold flat? Yes — but it can be more difficult than a standard property. Freehold flats are considered non-standard by many lenders, which means fewer mortgage options and stricter criteria. However, with the right advice and access to specialist lenders, it is still possible to secure a mortgage.… Read more
Case Study: Commercial Mortgage for 46 Flats

Summary We recently helped a property investor arrange an £8.4 million commercial mortgage to purchase a block of 46 residential flats valued at £11.2 million through a limited company. The transaction was more complex than a standard property investment because the customer wanted to borrow at 75% loan-to-value, use external investor funds for the deposit… Read more
UK Mortgages for Overseas Investors

How Overseas Investors Can Secure UK Mortgages Investing in UK property is an attractive option for many overseas investors. The market’s reputation for stability and potential returns has made it a favourite among global buyers. However, securing a mortgage as an overseas investor comes with its challenges. At Kerr & Watson, we specialise in guiding… Read more
What is the Buy to Let Stress Test and Will I Pass It?

Understanding the Buy to Let Stress Test The buy-to-let stress test is how lenders assess whether rental income is high enough to support a mortgage. Understanding how this works before applying can help you avoid declined applications, improve borrowing potential, and choose the right lender from the start. Different lenders use different stress calculations, which… Read more
Bridging Loans for Companies

Bridging Loans for Companies: Secure Short-Term Finance for Business Growth When your company needs swift access to capital for property purchases, renovations, or business expansion, bridging loans can sometimes provide the solution. These short-term loans can help companies seize opportunities quickly, aiming for faster approvals than traditional commercial term finance. At Kerr & Watson, we… Read more
Capital Raising on Mortgage Free Property

Capital Raising on Mortgage-Free Property | Your Expert Guide Owning a mortgage-free property is a significant milestone, representing financial security and stability. However, situations may arise where you need to raise capital, whether for home improvements, debt consolidation, or even property investment. In these instances, your property can be a valuable financial resource. What Does… Read more

Category: Buy To Let Mortgages