Category: Later Life Lending

  • Flying Freehold Mortgages

    Flying Freehold Mortgages

    Understanding Flying Freeholds: How to Secure a Mortgage for Unique Property Situations Buying a home is an exciting journey, but it can become more complex when encountering unique property situations like a flying freehold. Flying freeholds, where a part of a property overhangs or underlies a neighbouring property, often raise questions and concerns, particularly regarding… Read more

  • How Do Mortgage Interest Rates Work?

    How Do Mortgage Interest Rates Work?

    Mortgage Interest Rates: Types, Factors, and Advice Understanding mortgage interest rates is crucial when you’re looking to buy a home or remortgage. The interest rate on your mortgage determines how much you’ll repay over the life of the loan. This guide will help you grasp the different types of mortgage interest rates, how they are… Read more

  • £1 Million And Above Equity Release Mortgages

    £1 Million And Above Equity Release Mortgages

    Equity Release for High-Value Homes: Tailored Solutions For high-net-worth (HNW) property owners, your home is not just where you live—it’s a substantial asset that can work for you. Whether it’s an elegant Georgian townhouse in central London, a sprawling estate in Surrey, or a countryside mansion in Hampshire, your property is likely to hold significant… Read more

  • What Does Loan to Value Mean?

    What Does Loan to Value Mean?

    What Does Loan to Value (LTV) Mean? When you’re looking at the world of mortgages, it’s easy to feel overwhelmed by the jargon and technical terms thrown your way. One of the most important concepts you’ll likely encounter is Loan to Value, often abbreviated as LTV. Understanding LTV is important, as it directly affects the… Read more

  • Fixed vs Variable Rate Mortgages

    Fixed vs Variable Rate Mortgages

    Should You Choose a Fixed or Variable Mortgage? If you’re approaching the end of your current mortgage deal or buying a property for the first time, you’re probably wondering whether to go for a fixed or variable rate mortgage. With interest rates constantly shifting, choosing the right deal can feel like a gamble. But it… Read more

  • Mortgages for Older Borrowers

    Mortgages for Older Borrowers

    Mortgages for Older Borrowers: Your Guide to Lending in Later Life As you get older, you may assume that getting a mortgage becomes more challenging. While it’s true that some lenders have upper age limits, the market has evolved to accommodate older borrowers with more flexible mortgage options. Whether you’re looking to purchase a home,… Read more

  • Equity Release For Purchases

    Equity Release For Purchases

    Using Equity Release to Buy a Property If you’re over 55 and considering moving home, you might be wondering how to bridge the gap between what you sell your current property for and the cost of your new one. For many people in later life, income may no longer be sufficient to qualify for a… Read more

  • Capital Raising on Mortgage Free Property

    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