Mortgage for Commission Only Jobs

Mortgage for Commission Only Jobs: A Complete Guide to Borrowing on Commission If you earn your income through commission only, you may have wondered whether getting a mortgage will be harder than it is for someone on a basic salary. You might even have been told that lenders do not like commission only jobs, or… Read more
Commercial Mortgages and Finance for Golf Courses

Golf Club Finance and Commercial Mortgages: How to Fund Your Course and Clubhouse Running a golf club is about a lot more than fairways and greens. You are managing a complex business with big capital needs, seasonal income and rising expectations from members and visitors. At some point you may need to raise finance without… Read more
Case Study: London Mortgage with One Year’s Accounts

Summary We recently helped our customer secure a mortgage in London with one year’s accounts to purchase a flat valued at £645,000. Our customer was self-employed and needed a lender willing to assess the application using only one year of trading figures. There were also two other important considerations: childcare payments showing on the bank… Read more
Mortgage For An Inherited Property

Mortgages on Inherited Property: What You Can Do Before and After Probate If you have inherited a property, you might be wondering whether you can get a mortgage on it, and if so, what the best route looks like. You may want to live in the home, buy out a relative, fund renovations, switch to… Read more
Case Study: Supporting First-Time Buyers in Petersfield

Summary We recently helped first-time buyers purchase a property in Petersfield through a private sale agreed directly with owners they already knew. The customers were using a combination of personal savings and family inheritances for their deposit and wanted a 25-year mortgage term to keep repayments manageable without extending the borrowing unnecessarily. They also preferred… Read more
Case Study: BTL Mortgage in Kent for First-Time Landlord

Summary We recently helped our customer arrange a buy-to-let mortgage in Kent to purchase a £300,000 house. The case needed some additional research because our customer was a first-time landlord and the property was being bought through a concessionary purchase. We therefore needed a lender whose buy-to-let criteria could accommodate both points while providing the… Read more
100% Bridging Finance | No-Deposit Bridging Loans

If you need short term funding for a property purchase but do not have a deposit available, you might be considering a 100% bridging loan. These loans can potentially allow you to borrow the full purchase price of a property without putting down a cash deposit. While they can be an attractive option for the… Read more
Case Study: Remortgage to Buy a Property Abroad

Summary We recently helped a professional couple in Virginia Water remortgage their UK home to raise funds for the purchase of a holiday property in the Algarve, Portugal. Rather than arranging finance overseas, they wanted to release equity from their £800,000 home so they could have the funds available to buy the property abroad before… Read more
Commercial mortgage for purpose built student accommodation

Finance for Purpose Built Student Accommodation If you want to buy or develop purpose built student accommodation you will need funding that treats the property like a business rather than a simple residential let. A commercial mortgage for student blocks is designed around income, demand and the way the building will operate across the academic… Read more
Secured Loans For Home Improvements

How Secured Loans Can Fund Your Home Improvements Improving your home is exciting, but paying for it can feel overwhelming. Whether you are planning a new kitchen, an extension, or essential repairs, the cost often adds up quickly. Many homeowners turn to secured loans for home improvements as a way to spread the cost over… Read more
Can You Get a Mortgage After Bankruptcy

I Was Made Bankrupt. How Does That Affect Me With a Mortgage? Being made bankrupt can affect your ability to get a mortgage, but it does not always stop you from buying a home in the future. The impact usually depends on how long ago the bankruptcy happened, whether you have been discharged, what your… Read more
Case Study: JBSP Mortgage in Essex with Spousal Visa Challenge

Summary We recently helped our customer secure a JBSP mortgage in Essex to buy their first home for £370,000. Although their credit history was good and they had no liabilities, the application had several points that needed careful consideration. The mortgage needed to work on a Joint Borrower Sole Proprietor basis, one of the applicants… Read more

Category: Mortgages