Category: Residential Mortgages

  • Case Study: Remortgage to Buy a Property Abroad

    Case Study: Remortgage to Buy a Property Abroad

    The Scenario A professional couple based in Virginia Water were exploring options to purchase a holiday home in the Algarve, Portugal. Rather than securing foreign lending, they sought to remortgage their UK home to raise the necessary capital. Their plan was to unlock equity from their existing property to fund the full purchase and associated… Read more

  • Secured Loans For Home Improvements

    Secured Loans For Home Improvements

    How Secured Loans Can Fund Your Home Improvements Improving your home is exciting, but paying for it can feel overwhelming. Whether you are planning a new kitchen, an extension, or essential repairs, the cost often adds up quickly. Many homeowners turn to secured loans for home improvements as a way to spread the cost over… Read more

  • Case Study: Helping a Home Mover in Petersfield

    Case Study: Helping a Home Mover in Petersfield

    Introduction Moving home can be a complex process, particularly during life changes such as divorce. This case highlights how we supported a customer in Petersfield to secure a tailored interest-only mortgage, providing the flexibility and stability needed to move forward with their plans. The Scenario The customer was in the process of a divorce, with… Read more

  • Case Study: Helping a Family in Fleet Secure a Further Advance for Home Improvements

    Case Study: Helping a Family in Fleet Secure a Further Advance for Home Improvements

    The Scenario The customers, a couple with two children based in Fleet, Hampshire, were looking to capital raise for home improvements. They were also considering using the additional funds to clear a loan but had not made a final decision. Their current mortgage with Nationwide had an outstanding balance of £297,905, and they wanted to… Read more

  • Costs And Fees When Buying Your Home

    Costs And Fees When Buying Your Home

    Understanding the costs and fees when buying property When you buy a property, the purchase price is only part of the overall cost. There are several fees and expenses involved before, during, and after completion. Some are paid upfront, some are linked to your mortgage, and others are ongoing once you own the property. Understanding… Read more

  • Mortgage With Japanese Knotweed

    Mortgage With Japanese Knotweed

    Can You Get a Mortgage with Japanese Knotweed? If you have found a home you love and the survey mentions Japanese knotweed, you might feel worry. You may have heard stories about lenders refusing to lend or sales falling through at the last moment. However, it can be possible to get a mortgage with Japanese… Read more

  • Case Study: Farnborough Buy-To-Let Product Transfer for Existing Mortgage Clients

    Case Study: Farnborough Buy-To-Let Product Transfer for Existing Mortgage Clients

    The Scenario In Farnborough, Hampshire, experienced property investors sought to renew their buy-to-let mortgage products. With three existing buy-to-let mortgages through BM Solutions nearing the end of their terms, the clients were keen to avoid the variable rates that would apply upon expiry. They preferred a streamlined approach that allowed them to renew with their… Read more

  • Case Study: Strategic Product Transfer for Buy-to-Let Property with Lease Constraints

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

    The Scenario An experienced property investor sought to remortgage a buy-to-let flat in London valued at £450,000 with an outstanding mortgage balance of £289,338. The property is currently rented out for £1,350 per month, providing steady income but presenting unique challenges due to a lease length of less than 70 years. The investor, earning a… Read more

  • Mortgages For Freelancers

    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: Securing a Residential Mortgage for a Family Home with Holiday Lets on Site

    Case Study: Securing a Residential Mortgage for a Family Home with Holiday Lets on Site

    The Scenario In this case study, we look at how we helped a family relocating to Devon secure the right mortgage for a unique property, a five-bedroom main house on a plot that also included four separate holiday barns. Their plan was to live in the main home and let out the holiday barns on… Read more

  • Can I Get a Mortgage on a Fixed Term Contract?

    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

    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