Renters’ Rights Act 2025: What It Means for Buy to Let Landlords

Renters’ Rights Bill: What It Means for Buy to Let Landlords If you own — or are considering investing in — a buy to let property, the Renters’ Rights Act 2025 is something you cannot afford to overlook. Coming into force on 1st May 2026, this legislation represents the biggest overhaul of the private rented… Read more
Case Study: BTL Remortgage from Bridging

Summary We recently helped our customer arrange a buy-to-let remortgage in Dorst, refinancing a bridging loan that had been used in connection with new build properties. The case needed more careful lender research because there were two properties held on one title. We therefore needed a lender that was comfortable with both the property arrangement… Read more
Case Study: Further Advance for Home Improvements in Ascot

Summary We recently helped homeowners in Ascot raise an additional £30,000 from their property to fund home improvements. They already had an existing mortgage with HSBC and wanted to keep their current mortgage in place rather than remortgage and potentially incur early repayment charges. Their priority was to secure the additional borrowing on a five-year… Read more
Bridging Loans for First Time Buyers

Bridging Loans for First Time Buyers When and Why They Are Used When you are buying your first property, most people assume a mortgage is the only option. In many cases, which is true. However, there are situations where a standard mortgage does not work, at least not straight away. This is usually when bridging… Read more
Case Study: Equity Release in Hook for an 83-Year-Old

Summary We recently helped our customer arrange equity release in Hook from their residential property at the age of 83. Our customer was retired and wanted to raise £123,250 against a semi-detached property valued at £425,000. The main consideration was their age, as we needed to find a lender that was comfortable providing the amount… Read more
Mortgages for Military Including Army, Navy and RAF

Mortgages for Armed Forces: How Military Personnel Can Get Approved Life in the military can be unpredictable. From frequent relocations to overseas deployments, your lifestyle is anything but typical and that can make getting a mortgage feel more complicated than it should be. But that doesn’t mean the mortgage process needs to be overwhelming to… Read more
Case Study: Loan Against Investments to Buy Property Abroad

Summary We recently helped a high-net-worth client arrange a £9.5 million lending facility to fund the purchase of a property in Europe as part of his plans to move overseas. The client had a strong income, several investment properties generating rental income and an investment portfolio worth more than £30 million. The challenge was that… Read more
Mortgages For Airline Staff

Mortgages for Airline Staff: Pilot & Cabin Crew Income Explained If you fly for a living you may already know it can be tricky to get a straightforward answer from a mortgage lender. Your payslips are not simple. Flight pay fluctuates. Allowances and rostering can make one month look very different to the next. Some… Read more
Case Study: Farnborough Mortgage with Multiple Jobs

Summary We recently helped our customer secure a mortgage in Farnborough with multiple jobs while she was also going through a divorce. Our customer was purchasing a house for £346,000 and needed a £90,000 residential mortgage. Although she had a good credit history and a reasonable level of income, the application needed more careful lender… Read more
Mortgages For Pubs

Pub Mortgages: How to Buy or Refinance a Pub in the UK Buying or refinancing a pub is both exciting and complex. You are not just buying bricks and mortar. You are buying a trading business with moving parts. Cash flow, licensing, staff, and seasonality all play a role. You want a lender who understands… Read more
Case Study: Helping Buy-to-Let Landlords in Sandhurst

Summary We recently helped landlords in Sandhurst arrange a product transfer on their buy-to-let property as their existing fixed rate with The Mortgage Works was coming to an end. The landlords were considering selling the property within the next couple of years, so they wanted a two-year fixed rate rather than committing to a longer… Read more
Ultra High Net Worth Mortgage Options

UHNW Mortgages Explained: Private Bank & Asset-Backed Options In the UK, the term “Ultra High Net Worth Individual” typically refers to someone with net assets of £30 million or more, although definitions can vary slightly between financial institutions and wealth managers. This figure excludes primary residence and liabilities in some interpretations, while others include all… Read more

Category: Mortgages