Holiday Home Mortgages – Still Available For The Right People
Like any other kind of mortgage, holiday home mortgages are more difficult to find than they were a year ago. But that doesn’t mean they aren’t available. It does mean that as there are fewer to go...
View ArticleMortgage Advice – For People Just Like You
These are rather difficult times for anyone looking for a mortgage, but perhaps especially for you if you are hoping to buy your first home. Perhaps you’ve been waiting years for house prices to come...
View ArticleAsk questions before using estate agents mortgage advisers
A recent newspaper article highlighted that some estate agents are trying to pressurise buyers into using their own in-house mortgage brokers. This could mean that buyers lose thousands of pounds...
View ArticleMortgages for Company Directors
As a Company Director, you have probably found that doors seem to open a little easier, than they did when you were on the way up? However you may have found things slightly different, when it comes to...
View ArticleAdverse Credit: Back on the Road to Ruin?
The mere mention of a return to sub prime, adverse credit or near prime Mortgage lending, sends some people running for cover! However, such products are now available through existing and some newly...
View ArticleIs property investment warming up?
If, as the saying goes, ‘A week is a long time in politics’, then a year must be an eternity in the property investment market! Look back to this time last year: every growth indicator was flat lining,...
View ArticleBelow Market Value Property Purchase: Elusive Mortgages
Back in the day, there were literally herds of new-to-the market property investors buying new-build residential properties, especially flats, on the basis of advice gleaned from property investment...
View ArticleWhat is a buy-to-let mortgage?
A Buy-to-let mortgage is a lending product designed to allow a potential property investor to purchase a residential property to let to tenants on an assured shorthold tenancy basis. Buy to Let...
View ArticleExpat Buy to Let Mortgage Product
An Expat Buy to Let Mortgage is a rare animal indeed and since the exit of Lloyd’s a few years ago became almost extinct. Well according to Mortgage Introducer a new breed of ex pat buy to let...
View ArticleThe mortgage broker is back
It’s been estimated that in recent times 60% of mortgage cases have been arranged through Independent Mortgage Brokers, as opposed to going direct to lenders. This is a marked change when you consider...
View ArticleWhat to look for in a mortgage broker
You decide to use the services of a Mortgage Broker and use the internet to try and find one. There is an old saying, “if you don’t know what you are looking for, you won’t find it”. So what exactly...
View ArticleThe value of a good mortgage broker
No doubt competition in the mortgage market has great benefits for consumers in terms of innovation and price, but it does make finding the right one a difficult task. Yes there are more number...
View ArticleCheaper with a second charge mortgage
Last week we received a telephone call from a long standing customer. 9 years earlier John had sought our advice to purchase a new home and we had organised a great lifetime tracker mortgage which in...
View ArticleLimited Company property investment
If you are thinking about a potential foray into the world of property investment, you may well be totally confused about how to hold your future investment property. The media is awash with the idea...
View ArticleSecond mortgage saves the day
A couple of weeks ago Patrick and Clare called Enhanced Wealth Ltd for some re-mortgage advice. They told us that they had been thinking about moving house and considered “porting” their existing...
View ArticleBuy to Let Refurbishment – Case Study
We were contacted by David who was a buy to let landlord with three properties in his portfolio. David told us that his three properties had been purchased using bridging finance. He had done this...
View ArticleNew landlord stamp duty tax
The Autumn Budget showed that this Government is quite prepared to use Tax as a weapon of political interference in the free market, with its draconian tax on second properties. Yes we all know that...
View ArticleThumbs up for buy to let
A recent article in Mortgage Strategy has given the buy-to-let sector of the mortgage market a thumbs up, in spite of what seems to be the Government’s short sighted anti landlord policy. The...
View ArticleMortgage affordability Q&A for Co Director
Here’s a shortened Q&A from a recent customer who owns his business. Hi Guys My wife and I are having a bit of a nightmare finding a mortgage lender that will accept my financial situation and lend...
View ArticleWhat does “Offset Mortgage” mean?
These rather clever flexible mortgages work by linking any savings that a borrower holds with the lender in qualifying accounts to their mortgage debt balance, leaving the borrower to pay interest on...
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