Case Study: Buy-to-Let Product Transfer with Lease Constraints

Summary We recently helped an experienced property investor arrange a product transfer on a buy-to-let flat in London valued at £450,000, with an outstanding mortgage of around £289,000. The main challenge was that the property had less than 70 years remaining on the lease, which can restrict the number of lenders willing to consider the… Read more
Mortgages For Freelancers

Mortgages for Freelancers – How to Get a Mortgage When You’re Self-Employed You work for yourself, win projects, and manage your income. When you apply for a mortgage, it can make the process more daunting due to the fluctuations in income. With the right preparation and a broker who understands freelance income, you can apply… Read more
Case Study: Residential Mortgage with Holiday Lets on Site

Summary We recently helped a family relocating to Devon purchase a £1.1 million property made up of a five-bedroom main house and four separate holiday barns on the same title. The family planned to live in the main house and let the barns on Airbnb, with expected holiday let income of around £80,000 a year.… Read more
Can I Get a Mortgage on a Fixed Term Contract?

Can You Get a Mortgage on a Fixed Term Contract? Expert Advice for Contract Workers If you’re working on a fixed term contract and wondering whether it’s possible to get a mortgage, the short answer is yes, you can in the right circumstances. That said, the process can feel more complex than it does for… Read more
Hong Kong National Purchasing a Home in the UK

Buying a Home in the UK as a Hong Kong National: A Complete Guide If you are a Hong Kong national looking to purchase property, you may be considering the mortgage options available and what the process entails. The introduction of the British National Overseas (BNO) visa has made it easier for Hong Kong buyers… Read more
Can You Get a Mortgage After Using Payday Loans?

Can I Get a Mortgage If I Have Used Payday Loans? It can be possible to get a mortgage if you have used payday loans. Having a payday loan on your credit file does not automatically mean a mortgage lender will decline your application. Many lenders will consider applicants who have used payday loans previously,… Read more
Can You Get a Mortgage on a Property with Cladding?

Mortgages for Flats with Cladding: What You Need to Know If you live in or want to buy a flat with cladding, you have probably seen mixed messages about whether a mortgage is possible. Since major building safety reforms, lending has slowly reopened, yet criteria can still feel confusing. The good news is that getting… Read more
Bridging Loan for HMO Conversion

How a Bridging Loan Works To Convert a Property to an HMO If you are planning to convert a property into a House in Multiple Occupation, finance is usually one of the first issues you face. Many landlords quickly discover that standard buy to let mortgages are not suitable when a property needs significant work… Read more
Case Study: Residential Product Transfer in Fleet

Summary We recently helped a couple in Fleet, Hampshire, arrange a product transfer as their existing fixed-rate mortgage with Barclays was coming to an end. The customers wanted to avoid the additional paperwork, legal work, underwriting and costs involved in a full remortgage. They also preferred a two-year fixed rate, giving them payment certainty in… Read more
Large Commercial Mortgages For Apartment Buildings

Large Commercial Mortgages for Apartment Blocks When you are buying or refinancing an apartment building, the finance is key. Larger blocks bring bigger numbers and deeper due diligence. You might be aiming for a £5 million multi unit block. You might be structuring a £25 million portfolio facility. You might even be exploring funding at… Read more
Case Study: First-Time Buyer Mortgage for Professional Footballer

Summary We recently helped a professional footballer in the EFL Championship purchase his first home in London after signing a new contract with a new club. The property was valued at £880,000 and the customer required a £650,000 mortgage. The main challenge was that he had only just started with his new club and had… Read more
Unsecured Business Loans

Unsecured Business Loans – Fast Funding Without Using Your Assets Running a business often means needing quick access to finance. Whether you’re covering short-term expenses, investing in growth, or smoothing out cash flow, finding the right loan can make a huge difference. An unsecured business loan can help you do just that, without tying up… Read more

Category: Mortgages