Can I Get a Mortgage If I Have an IVA

Can I Get a Mortgage If I Have an IVA? It is possible to get a mortgage if you have an Individual Voluntary Arrangement (IVA), although your options are likely to be more limited than someone with a clean credit history. Many high street lenders will automatically decline applicants with an active or recently completed… Read more
Case Study: Product Transfer for Rate Renewal

Summary We recently helped our customer arrange a product transfer on their home in Hook, Hampshire, as one part of their NatWest mortgage was approaching the end of its fixed rate. The mortgage was split into two parts with different fixed-rate expiry dates. The customer wanted to secure a new five-year fixed rate on the… Read more
Secured Loans & Second Charge Mortgages

Secured Loans Advice for Homeowners If you’re looking to borrow a larger amount, spread repayments over time, or unlock equity in your property without disturbing your current mortgage, a secured loan could be an option, subject to professional advice. A secured loan, sometimes called a homeowner loan or second charge mortgage, lets you borrow money… Read more
Case Study: Farnham Remortgage After a Business Loss

Summary We recently helped our customers arrange a remortgage in Farnham to raise £175,000 from their residential property for a business purpose. Both customers were self-employed, and the money was being raised to buy out a business partner. The main challenge was that their business had made a loss in the previous year, so we… Read more
Case Study: Long-Term Mortgage Solution for First-Time Buyers

Summary We recently helped a young professional couple purchase their first home in Blackwater, near Camberley, Surrey. They were buying a flat for £230,000 with a £23,000 deposit and required a mortgage of £207,000. Both applicants were employed with a combined income of £90,000, but they were also both living in the UK on Tier… Read more
Case Study: BTL Remortgage from Bridging

Summary We recently helped our customer arrange a buy-to-let remortgage in Dorst, refinancing a bridging loan that had been used in connection with new build properties. The case needed more careful lender research because there were two properties held on one title. We therefore needed a lender that was comfortable with both the property arrangement… Read more
Case Study: Further Advance for Home Improvements in Ascot

Summary We recently helped homeowners in Ascot raise an additional £30,000 from their property to fund home improvements. They already had an existing mortgage with HSBC and wanted to keep their current mortgage in place rather than remortgage and potentially incur early repayment charges. Their priority was to secure the additional borrowing on a five-year… Read more
Bridging Loans for First Time Buyers

Bridging Loans for First Time Buyers When and Why They Are Used When you are buying your first property, most people assume a mortgage is the only option. In many cases, which is true. However, there are situations where a standard mortgage does not work, at least not straight away. This is usually when bridging… Read more
Mortgages for Military Including Army, Navy and RAF

Mortgages for Armed Forces: How Military Personnel Can Get Approved Life in the military can be unpredictable. From frequent relocations to overseas deployments, your lifestyle is anything but typical and that can make getting a mortgage feel more complicated than it should be. But that doesn’t mean the mortgage process needs to be overwhelming to… Read more
Case Study: Loan Against Investments to Buy Property Abroad

Summary We recently helped a high-net-worth client arrange a £9.5 million lending facility to fund the purchase of a property in Europe as part of his plans to move overseas. The client had a strong income, several investment properties generating rental income and an investment portfolio worth more than £30 million. The challenge was that… Read more
Mortgages For Airline Staff

Mortgages for Airline Staff: Pilot & Cabin Crew Income Explained If you fly for a living you may already know it can be tricky to get a straightforward answer from a mortgage lender. Your payslips are not simple. Flight pay fluctuates. Allowances and rostering can make one month look very different to the next. Some… Read more
Case Study: Farnborough Mortgage with Multiple Jobs

Summary We recently helped our customer secure a mortgage in Farnborough with multiple jobs while she was also going through a divorce. Our customer was purchasing a house for £346,000 and needed a £90,000 residential mortgage. Although she had a good credit history and a reasonable level of income, the application needed more careful lender… Read more

Category: Residential Mortgages