Ultra High Net Worth Mortgage Options

UHNW Mortgages Explained: Private Bank & Asset-Backed Options In the UK, the term “Ultra High Net Worth Individual” typically refers to someone with net assets of £30 million or more, although definitions can vary slightly between financial institutions and wealth managers. This figure excludes primary residence and liabilities in some interpretations, while others include all… Read more
Mortgage for Commission Only Jobs

Mortgage for Commission Only Jobs: A Complete Guide to Borrowing on Commission If you earn your income through commission only, you may have wondered whether getting a mortgage will be harder than it is for someone on a basic salary. You might even have been told that lenders do not like commission only jobs, or… Read more
Case Study: London Mortgage with One Year’s Accounts

Summary We recently helped our customer secure a mortgage in London with one year’s accounts to purchase a flat valued at £645,000. Our customer was self-employed and needed a lender willing to assess the application using only one year of trading figures. There were also two other important considerations: childcare payments showing on the bank… Read more
Mortgage For An Inherited Property

Mortgages on Inherited Property: What You Can Do Before and After Probate If you have inherited a property, you might be wondering whether you can get a mortgage on it, and if so, what the best route looks like. You may want to live in the home, buy out a relative, fund renovations, switch to… Read more
Case Study: Supporting First-Time Buyers in Petersfield

Summary We recently helped first-time buyers purchase a property in Petersfield through a private sale agreed directly with owners they already knew. The customers were using a combination of personal savings and family inheritances for their deposit and wanted a 25-year mortgage term to keep repayments manageable without extending the borrowing unnecessarily. They also preferred… Read more
Case Study: Remortgage to Buy a Property Abroad

Summary We recently helped a professional couple in Virginia Water remortgage their UK home to raise funds for the purchase of a holiday property in the Algarve, Portugal. Rather than arranging finance overseas, they wanted to release equity from their £800,000 home so they could have the funds available before finding the right property. The… Read more
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
Can You Get a Mortgage After Bankruptcy

I Was Made Bankrupt. How Does That Affect Me With a Mortgage? Being made bankrupt can affect your ability to get a mortgage, but it does not always stop you from buying a home in the future. The impact usually depends on how long ago the bankruptcy happened, whether you have been discharged, what your… Read more
Case Study: JBSP Mortgage in Essex with Spousal Visa Challenge

Summary We recently helped our customer secure a JBSP mortgage in Essex to buy their first home for £370,000. Although their credit history was good and they had no liabilities, the application had several points that needed careful consideration. The mortgage needed to work on a Joint Borrower Sole Proprietor basis, one of the applicants… Read more
Case Study: Helping a Home Mover in Petersfield

Summary We recently helped a customer in Petersfield arrange a £325,000 mortgage to purchase a new home following a divorce. The customer was receiving funds from being bought out of the former marital home and wanted to borrow on an interest-only basis to keep monthly payments lower. Their longer-term plan was to downsize at the… Read more
How Do Credit Cards Affect a Mortgage Application?

Can Credit Card Debt Stop You Getting a Mortgage? Credit cards can affect a mortgage application, but having a credit card does not automatically stop you from getting a mortgage. Lenders are usually more interested in how you use the card, how much you owe, whether payments have been made on time, and whether the… Read more
Case Study: Remortgage Solution for Long-Term Stability

Summary We recently helped a couple arrange their next mortgage after selling their existing home for £915,000. They had around £149,000 outstanding with Barclays across two mortgage subaccounts and wanted to port their existing mortgage to avoid significant early repayment charges. Alongside porting the existing borrowing, they needed to increase their total mortgage to £485,000… Read more

Category: Residential Mortgages