Case Study: Helping a Home Mover in Petersfield

Summary We recently helped a customer in Petersfield arrange a £325,000 mortgage to purchase a new home following a divorce. The customer was receiving funds from being bought out of the former marital home and wanted to borrow on an interest-only basis to keep monthly payments lower. Their longer-term plan was to downsize at the… Read more
Commercial Mortgages For Dental Practices

How to Get a Commercial Mortgage for a Dental Practice If you are planning to buy a dental practice, purchase your surgery premises, expand to a second site, or simply refinance for better terms, the right commercial mortgage can make all the difference. The dental sector is unique. Lenders look at goodwill, regulatory approvals, the… Read more
How Do Credit Cards Affect a Mortgage Application?

Can Credit Card Debt Stop You Getting a Mortgage? Credit cards can affect a mortgage application, but having a credit card does not automatically stop you from getting a mortgage. Lenders are usually more interested in how you use the card, how much you owe, whether payments have been made on time, and whether the… Read more
Day Nursery Commercial Mortgage

How to Get a Commercial Mortgage for a Day Nursery Running a nursery is one of the most rewarding businesses you can operate, providing an important service that supports families and shapes children’s early development. However, whether you are buying your first setting, expanding an existing nursery, or refinancing your current premises, arranging the right… Read more
Case Study: Remortgage Solution for Long-Term Stability

Summary We recently helped a couple arrange their next mortgage after selling their existing home for £915,000. They had around £149,000 outstanding with Barclays across two mortgage subaccounts and wanted to port their existing mortgage to avoid significant early repayment charges. Alongside porting the existing borrowing, they needed to increase their total mortgage to £485,000… Read more
Case Study: Further Advance for Home Improvements in Fleet

Summary We recently helped a couple with two children in Fleet, Hampshire, raise an additional £32,095 against their home to fund home improvements, with the option of using some of the funds to clear an existing loan. They already had a mortgage with Nationwide and wanted to keep the process as straightforward as possible while… Read more
How Do Childcare Costs and School Fees Affect Your Mortgage?

Mortgage Affordability and Childcare Costs Explained Childcare costs can affect how much you are able to borrow on a mortgage because lenders look at your income and regular household outgoings before deciding what is affordable. For many parents, nursery fees, childminder costs, wraparound care, after-school clubs or private school fees are among the largest monthly… Read more
Case Study: Expat Buy-to-Let with a Competitive Fixed Rate

Summary We recently helped an expat client living in New York arrange a new mortgage on a buy-to-let property in London as their existing deal was approaching the end of its fixed-rate period. The property was valued at £430,000 and generated £2,182 per month in rental income, but the existing lender could not offer a… Read more
Costs And Fees When Buying Your Home

Understanding the costs and fees when buying property When you buy a property, the purchase price is only part of the overall cost. There are several fees and expenses involved before, during, and after completion. Some are paid upfront, some are linked to your mortgage, and others are ongoing once you own the property. Understanding… Read more
Mortgage With Japanese Knotweed

Can You Get a Mortgage with Japanese Knotweed? If you have found a home you love and the survey mentions Japanese knotweed, you might feel worry. You may have heard stories about lenders refusing to lend or sales falling through at the last moment. However, it can be possible to get a mortgage with Japanese… Read more
Case Study: Buy-to-Let Product Transfer in Farnborough

Summary We recently helped experienced property investors in Farnborough, Hampshire, arrange product transfers on three existing buy-to-let mortgages with BM Solutions. The customers wanted to avoid moving onto variable rates when their existing deals expired, but also preferred not to go through the additional underwriting, legal work and documentation involved in a full remortgage unless… Read more
Unlock Better Terms with ABL Refinancing

Why Refinance Your Asset Backed Lending Facility Refinancing an existing asset backed lending facility can be a strategic way to strengthen your business finances. Whether you want to reduce borrowing costs, release additional capital, or secure more flexible terms, refinancing gives you the chance to re-evaluate how your assets are working for you. If your… Read more

Category: Mortgages