UK Mortgages for Expats in Bahrain

Expert UK Mortgage Solutions for Bahrain-Based Expats For UK expats living in Bahrain, the idea of investing in property back home can be both exciting and financially rewarding. The UK property market offers stability, long-term growth potential, and a diverse range of investment opportunities. However, the UK mortgage market as an expat in Bahrain can… Read more
Green Mortgage Deals for EPC A–C Homes

Green Mortgage Deals Explained If you’re planning to buy a home or remortgage, you might be surprised to learn that your property’s energy efficiency could impact the type of mortgage you get. Green mortgages are a growing trend in the lending world, offering incentives such as lower rates or cashback when you choose or improve… Read more
Can I Get a Mortgage with Investment Income

How can I qualify for a mortgage with investment income? Getting a mortgage when your primary income comes from investments may seem very difficult. Many lenders prefer the security of salaried income, and investment income, whether from share dividends, rental properties, or a trust fund, can fall outside of lender criteria. However, with the right… Read more
How New Build Incentives Affect Your Mortgage

Can you get a mortgage if a builder offers incentives? Yes, most lenders will accept builder incentives, provided they are disclosed correctly and fall within the lender’s criteria. The key issue is that lenders want to understand the true value of the property. If incentives are too generous, they may reduce the value they use… Read more
Mortgages for Pilots

Specialised Mortgages for Pilots: Tailored Advice for Airline Professionals When it comes to securing a mortgage as a pilot, the process may feel anything but straightforward. Your income is often more complex than that of some other professions, with elements like flight allowances, bonuses, and expenses making it difficult for traditional lenders to assess your… Read more
About New Build Mortgages

A Guide to New Build Mortgages Purchasing a new build home can be an exciting journey, offering you the chance to own a property that’s brand new and move-in ready. New build properties are appealing for many reasons: they often come with the latest design features, modern construction methods, and energy-efficient materials. However, securing a… Read more
Contractor Mortgages

Contractor Mortgages: Tailored Solutions for Self-Employed Workers The world of mortgages can be daunting, especially if you’re a contractor. While the flexibility and variety of work in contract roles are appealing, securing a mortgage may feel challenging due to the nature of your employment. At Kerr & Watson, we understand contractor mortgages offering tailored advice… Read more
Get a Mortgage using Trust Fund Income

How to Get a Mortgage Using Only Trust Fund Income Trying to get a mortgage using trust fund income can feel complicated. While trust income can provide significant financial stability, many lenders are cautious about it due to its classification as unearned income. That doesn’t mean getting a mortgage is always out of reach. If… Read more
Commercial Mortgages for B8 Properties

Commercial Mortgage for B8 Properties: Warehouses, Storage Units and Distribution Centres If you are looking at a warehouse, storage unit, or distribution centre, you are likely dealing with Use Class B8. You might be buying for your own business. You might be investing and letting the unit to a tenant. Either way, you want clarity.… Read more
Police Mortgages

Police Mortgages – Tailored Mortgage Solutions for Police Officers As a member of the police force, you have a unique career that offers stability and security, qualities that many lenders may look favourably upon when considering mortgage applications. Although there isn’t a specific “police mortgage” product on the market, there may be certainly ways to… Read more
Mortgages for Teachers

Teacher Mortgage: A Guide for Education Professionals As a teacher, you’re accustomed to helping others succeed. But when it comes to buying your own home, the mortgage may feel daunting. Fortunately, while there may not be a specific “teacher mortgage” product, there are several schemes, lenders, and options that can make getting a mortgage as… Read more
What Do Mortgage Lenders Look For On Payslips

Payslips and Mortgage Applications: What Lenders Want to See Mortgage lenders use your payslips to check your income, employment and whether the earnings shown on your mortgage application can be evidenced. For straightforward employed income, lenders will commonly ask for between one and three recent monthly payslips, although the exact requirement varies. If you are… Read more

Category: Mortgages