Posts & Latest News

How can I raise more money on my property?

Most Common “How” Google questions on Mortgages answered.   In this new series we try to answer the most common questions on mortgages Googled by the public.   Later in the series we will cover “What”, “Where”, “When”, “Which” and

Read More »

How early to remortgage?

Most Common “How” Google questions on Mortgages answered.   We are starting a new series where we try to answer the most common questions on mortgages googled by homeowners.   Question 1: How early to remortgage before the current rate

Read More »

EWS1 Requirement for flats

Introduction of EWS2 may bring some level of respite to low rise leasehold flat owners. EWS certificate was designed to bolster lender concerns about lending to high rise buildings of 18 metres (above 6 storeys) or more that may contain

Read More »

Stamp duty holiday

The raised stamp duty threshold will potentially save £1000s for many homebuyers including landlords and property investors

Read More »

Will mortgage payment holiday affect your credit score?

Mortgage market update regarding covid-19 Mortgage payment holiday (MPH) is available to both residential and buy-to-let mortgages.  However, some lenders for BTL mortgages will request evidence that covid-19 has affected the tenant’s income before allowing a payment holiday.  Check with

Read More »

Affordability & Debt to Income Ratio

How much can I borrow? Mortgage Guide Part 2 Affordability & Debt to income ratio Maximum loan advance is based on the affordability of loan repayment.  As a general guidance to qualify for a mortgage, high street lenders prefer monthly

Read More »

Latest News

20/05: 90% LTV mortgages are trickling back in to the market for both purchases and remortgages.  Including for first time buyers.   HMO lending still very limited.   19/05: Covid Restrictions.  Due to the ongoing restrictions, many lenders have put

Read More »

Housing White Paper 2017

Few days ago the Communities Secretary Sajid Javid announced a new set of policies in the Commons, which the government says will alleviate the housing crisis in the UK. The plans are aimed at both first time buyers as well

Read More »