Remortgage After A Bridging Loan

Bridging Loan to Mortgage: A Guide to Remortgaging The transition from a bridging loan to a traditional mortgage can be a complex but necessary step. Bridging loans, while essential for securing quick funds, often come with high interest rates and short repayment periods. Remortgaging can provide a more stable and affordable long-term solution. At Kerr… Read more
First Time Buyer Interest Only Mortgages

Interest-Only Mortgages for First-Time Buyers: What You Need to Know As a first-time buyer, the mortgage market can feel overwhelming at times, especially when considering less conventional options like interest-only mortgages. While these types of mortgages were once more popular, they still provide a viable route for specific situations. Understanding how they work, the eligibility… 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
Case Study: Bridging Loan After Chain Break in Hampstead

Summary We recently helped a couple complete the purchase of a £7.8 million home in Hampstead after the buyer of their existing property in Richmond pulled out shortly before completion. Without the sale proceeds, they risked losing the new property, so they needed a short-term finance solution that could be arranged quickly. They also wanted… 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
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
Can you get a mortgage using dividends

Can you get a mortgage using dividends? Yes – Many mortgage lenders will accept dividend income as part of your mortgage application. If you are a company director paid through salary and dividends, lenders will usually assess both forms of income together. However, every lender assesses this differently, which is why choosing the right lender… 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
Case Study: Product Transfer for Shared Ownership Mortgage

Summary We recently helped a couple in Camberley arrange a new mortgage deal on their shared ownership property as their existing fixed rate with Barclays was coming to an end. The customers owned 50% of the property and had an outstanding mortgage balance of around £132,800. They wanted to keep the process straightforward and avoid… Read more
Commercial Finance For Football Clubs

How Commercial Finance Helps Football Clubs Grow On And Off The Pitch Running a football club is about far more than what happens over ninety minutes. You are managing a complex business that has to juggle player wages, transfer activity, stadium costs, community commitments and the expectations of supporters who want success every season. Commercial… Read more

Category: Mortgages