Getting a Mortgage with a Debt Management Plan (DMP)

Can I Get a Mortgage If I Have a Debt Management Plan? It is possible to get a mortgage if you currently have a Debt Management Plan (DMP) or have had one in the past. However, your options may be more limited than someone with a clean credit history. Mortgage lenders will look closely at… Read more
UK Mortgages for British Expat Living in the USA

Secure a UK Mortgage as a British Expat in the USA For British expats living in the USA, investing in UK property can be a strategic way to maintain ties to home, build wealth, and plan for the future. Whether it’s purchasing a family home, refinancing an existing property, or starting a buy-to-let portfolio, the… Read more
Mortgage Options at the End of an Interest Only Term

What to Do When Your Interest Only Mortgage Ends If you’re approaching the end of your interest only mortgage term, you might be feeling a little uncertain about what comes next. You’ve spent years paying off just the interest which would have saved you money monthly, but now the original loan amount is due. For… Read more
Can I Get a Mortgage If I Am on Maternity or Paternity Leave?

Can You Get a Mortgage on Maternity or Paternity Leave? Yes, you can get a mortgage while you are on maternity leave, paternity leave or shared parental leave. Being on parental leave does not automatically prevent you from getting a mortgage. The main issue for the lender is whether the mortgage will remain affordable based… Read more
UK Mortgages for Expats in Hong Kong

Secure a UK Mortgage as a Hong Kong Expat For UK expats living in Hong Kong, investing in property back home can be both an exciting and strategic decision. The UK property market remains a popular choice for its stability, long-term growth potential, and variety of investment opportunities. However, the UK mortgage market as an… Read more
Refinancing Invoice Discounting

Refinancing an Invoice Discounting Facility: Key Benefits Explained When your business depends on consistent cash flow, invoice discounting can be an invaluable tool. It helps you unlock funds tied up in unpaid invoices, keeping your working capital moving even while customers take their time to pay. But what happens when your existing facility no longer… Read more
Case Study: Product Transfer For Homeowners in Church Crookham

Summary We recently helped homeowners in Church Crookham arrange a product transfer as their existing fixed-rate mortgage with HSBC was coming to an end. The customers were considering selling the property in around two years, so they wanted a short-term fixed rate that would give them payment stability without tying them in for longer than… Read more
Commercial Mortgage For Medical Practices

Commercial mortgage for medical practices buying or refinancing your surgery If you run a medical practice, your premises play a vital role in your success. Whether you operate a doctor’s surgery, dental clinic, chiropractic practice, physiotherapy centre, or therapy clinic, the right property supports patient care, staff efficiency, and long term growth. At some stage,… Read more
Buy to Let Mortgages with Serco Tenants

Can you get a buy-to-let mortgage with Serco tenants? (Lender criteria explained) Yes — but only with certain lenders. Letting your property to Serco, housing associations, or charities can affect your mortgage, as these arrangements are different from standard tenancies. Lenders assess these arrangements differently to standard tenancies, often applying stricter criteria. Not all lenders… Read more
Commercial Finance For C1 Properties

Commercial Finance For Short stay accommodation If you have a hotel, guest house, or similar short stay accommodation, you may come across the term C1 property. This planning classification plays an important role in how the property can be used and how it can be financed. C1 properties are commonly funded through commercial mortgages rather… Read more
Below Market Value Bridging Loans

Below Market Value Bridging Loans for Property Investors and Developers Buying a property below market value can create a strong opportunity for investors, developers and landlords, but it can also make the finance more complex. A below market value bridging loan is a short-term finance option that may allow you to purchase a property using… Read more
What is a Joint Borrower Sole Proprietor (JBSP) Mortgage

Get a Mortgage with Family Help: How JBSP Mortgages Work Getting onto the property ladder can feel like an uphill climb, especially if your income alone doesn’t stretch far enough. Whether you’re a first-time buyer or simply struggling to borrow enough on your own, a Joint Borrower Sole Proprietor (JBSP) mortgage could be the solution… Read more

Category: Mortgages