Category: Complex Income Mortgages

  • Mortgages for Sportspeople

    Mortgages for Sportspeople

    Mortgages for Sportspeople: Tailored Solutions for Your Unique Financial Needs Securing a mortgage can be a complex process for anyone, but for sportspeople, the challenges are even more pronounced. he nature of a sports career, marked by fluctuating income, short career spans, and the uncertainty of future earnings, can make traditional mortgage products unsuitable. At… Read more

  • Mortgages for UK Expats in Australia

    Mortgages for UK Expats in Australia

    UK Mortgages for Australian-Based Expats Securing a mortgage while living abroad can be daunting, especially for UK expats in Australia. You may have settled in a beautiful part of the world such as Sydney, Melbourne, Brisbane, Perth, and Adelaide. Despite this, having UK property is still very important to some expats. Different lender criteria, currency… Read more

  • Mortgage Process Explained: What Lenders and Underwriters Check

    Mortgage Process Explained: What Lenders and Underwriters Check

    Key Insights and Tips to Boost Your Mortgage Approval Chances Mortgage underwriters are the gatekeepers of mortgage approval, meticulously assessing every aspect of a your financial profile. We explain the intricacies of mortgage underwriting, shedding light on what lenders scrutinise and offering actionable advice to bolster your chances of securing that coveted mortgage offer. Understanding… Read more

  • Mortgages for Footballers

    Mortgages for Footballers

    Mortgages for Footballers: Tailored Solutions for Your Unique Financial Needs As a professional footballer, your career is as unpredictable as it is exciting. The high stakes of football, both on and off the pitch, extend into your financial life, particularly when it comes to securing a mortgage. With short-term contracts, fluctuating income, and early retirement,… Read more

  • Longest Term Mortgage in the UK

    Longest Term Mortgage in the UK

    Longest Term Mortgage in the UK: Benefits and Drawbacks When considering a mortgage, one of the decisions you’ll face is the length of the mortgage term. The mortgage term refers to the duration over which you’ll repay your loan, influencing your monthly payments, total interest paid, and financial planning. As lenders continue to evolve their… Read more

  • No-Deposit Mortgage

    No-Deposit Mortgage

    Getting on the Property Ladder Without a Deposit Struggling to save a deposit for your first home? A no-deposit mortgage might be your solution. At Kerr & Watson, we understand the challenges of saving for a deposit while paying rent and managing other expenses. This guide will explain how no-deposit mortgages work, their advantages and… Read more

  • Mortgages for Actors

    Mortgages for Actors

    Mortgages for Actors: Tailored Solutions for Your Unique Income As an actor, your career is full of excitement, creativity, and unpredictability. While this dynamic lifestyle is what makes acting so appealing, it can also present unique challenges, especially when it comes to securing a mortgage. Traditional mortgage lenders can favour applicants with steady, predictable income,… Read more

  • Offshore Contractor Mortgages

    Offshore Contractor Mortgages

    How to Get a Mortgage as an Offshore Contractor If you work at sea or spend long stretches offshore, finding a straightforward mortgage can feel harder than it should. Your income may be paid in dollars or euros, your contract might be rotational, and parts of your pay may be tax exempt under the Seafarers… Read more

  • Mortgages for Seafarers

    Mortgages for Seafarers

    Tailored Mortgage Advice for Seafarers If you’re a seafarer, whether you serve on tankers, cargo ships, yachts, ferries, merchant navy vessels, or cruise liners you may face unique challenges securing a mortgage due to irregular income, foreign-currency pay, and lengthy periods away at sea. At Kerr & Watson, we assist in helping seafarers get mortgage-ready.… Read more

  • How Much Does a £1 Million Bridging Loan Cost?

    How Much Does a £1 Million Bridging Loan Cost?

    £1 Million Bridging Loan Costs Explained – Interest Rates, Fees & Real Examples Bridging loans can be a flexible and fast way to access large sums of money when time is of the essence, particularly in property transactions. Whether you’re purchasing before a sale, renovating for resale, or unlocking capital for business or investment purposes,… Read more

  • Can Stamp Duty Be Added to a Mortgage?

    Can Stamp Duty Be Added to a Mortgage?

    Introduction When purchasing property, you can encounter various costs. Among these costs, Stamp Duty is a significant expense, often prompting the question: Can stamp duty be added to a mortgage? Understanding Stamp Duty Stamp duty, or Stamp Duty Land Tax (SDLT), is levied upon purchasing a property or land. The rate is based upon the… Read more

  • Mortgage For A Dependant Relative

    Mortgage For A Dependant Relative

    Mortgages for Dependant Relatives – Concessionary Purchase and More Looking after your family often means making big decisions about their living arrangements. You might be considering how to support a parent whose mortgage is ending, or you may want to provide a home for a child or another relative who cannot get a mortgage themselves.… Read more