BRIDGING
Understanding Second Charge Bridging Loans
Property finance isn’t always simple. You might have substantial equity in your property but can’t access it quickly through regular …
How Fast Can You Get a Bridging Loan?
You’ve found an amazing property deal with a catch – you need to complete within weeks, not months. Or perhaps …
HOLIDAY LET
What does fully furnished mean?
Have you ever arrived at a holiday let or Airbnb, excited for a relaxing getaway, only to find yourself scrambling …
Are holiday let mortgages available in Scotland?
Holiday let mortgages have been available in Scotland for many years. We look at the availability of mortgages, the house buying process & how to get the best mortgage
How To Get An Unencumbered Mortgage
You no longer have a mortgage or have inherited a property, and now you’re hearing about “unencumbered mortgages” but feeling …
You no longer have a mortgage or have inherited a property, and now you’re hearing about “unencumbered mortgages” but feeling confused about what this actually means. Perhaps you need to access funds but don’t want to sell your property, or you’re wondering how to use your paid-off home to invest in another property. Owning property outright puts you in …
Capital Raising
Capital Raising to Consolidate Debt
Are you juggling multiple debts with different interest rates, payment dates, and terms? Many homeowners find themselves stressed by managing …
Is remortgaging the same as releasing equity?
Remortgaging your home is the process of moving your mortgage from one lender, to another. But without moving home. Releasing …
What is a further advance mortgage?
Benefits of a mortgage further advance You may benefit from a further advance on your mortgage due to lower interest …
Can you release equity on an inherited house?
How do you inherit a house? There are two ways that someone in the UK can inherit a property: Transferring …
Remortgaging
How To Get An Unencumbered Mortgage
You no longer have a mortgage or have inherited a property, and now you’re hearing about “unencumbered mortgages” but feeling …
Can you remortgage and add a name?
Regardless of how well you have made your monthly mortgage payments in the past, your lender is under no obligation …
How long does it take to remortgage?
How long does it take to remortgage? Ideally, when you remortgage you should allow up to 3 months, from start …
What documents do I need to remortgage?
If you’re a homeowner considering your mortgage options, you might be thinking about remortgaging. Remortgaging can offer several benefits, such …
Equity Release
What is an enhanced lifetime mortgage?
An enhanced lifetime mortgage is a type of equity release plan designed specifically for UK homeowners aged 55 and over …
Buying a house with a lifetime mortgage
Have you ever dreamt of a fresh start, a change of scenery, or perhaps a home better suited to your …
Do you need a solicitor for equity release?
Equity release offers a convenient way to access some of the money in your home, providing funds for retirement needs …
What is drawdown equity release?
Drawdown equity release could be a suitable way to unlock the value tied up in your property without having to …
Not on the High Street!
The high street lenders can’t help every mortgage customer and they prefer the simple, low-risk ones.
If your situation is a bit different or needs a more personalised solution then our brokers can help.
Expert advice, for all situations.
Bridging Loans
The most flexible of secured loans and often misunderstood. Bridge loans can be used in so many different ways and can be arranged super fast.
Large Loans
High net worth mortgage brokers understand complex large loans and unique situations and can source bespoke deals from the right lenders.
Let to Buy
Let to buy combines a buy to let remortgage with a residential mortgage. Allowing you to move house while keeping your current home.
Why Do You Need a Deposit For a Mortgage?
Securing a mortgage means meeting one fundamental requirement that affects everyone – the mortgage deposit. With …
What Happens to Your Mortgage When You Sell Your House
Selling your home while still paying off a mortgage brings up a lot of practical questions. …
Do Mortgage Lenders Use Your Gross or Net Income?
Figuring out how much you can borrow for a mortgage can feel like solving a puzzle …
Getting a Mortgage While on Probation
You’ve found your perfect home, but there’s a catch – you’ve just started a new job …
Mortgages for Older People: Your Options After 55
You’ve probably heard someone say “banks won’t lend to people your age” or perhaps you’ve experienced …
Can I Use Crypto for a House Deposit?
Mortgage lenders have been, and still are, cautious about cryptocurrency, creating obstacles for some property buyers. …
Fixed vs Variable Rate Mortgages
Choosing between a fixed or variable rate mortgage is one of the biggest financial decisions you’ll …
How do mortgage companies value a house?
Applying for a mortgage often brings a mixture of excitement and anxiety. While you’re looking forward …
Capital Raising to Consolidate Debt
Are you juggling multiple debts with different interest rates, payment dates, and terms? Many homeowners find …
Does Changing Your Job Affect Getting a Mortgage?
Many homebuyers worry that changing jobs when they need a new mortgage will automatically disqualify them …
What is Your Credit Utilisation Ratio?
Keep your credit utilisation low. This is the percentage of your credit limit you actually use. For example, if you have a limit of £3000 and you’ve used £1500 of it, your credit utilisation is 50%. A lower percentage is usually seen in a positive light and should help your score go up. To help improve your Experian Credit Score, try to keep your credit utilisation at 25%.
Credit Score Gone Down? Here’s What You Need to Know
Finding out your credit score has dropped can feel like a shock, especially if you’re planning …
A Guide to Fixing Mistakes on Your Credit Report
Finding mistakes in your credit report can feel like a setback, especially when you’re planning to …
Understanding Your Statutory Credit Report
Getting ready to apply for a mortgage or loan? You’ll want to know what lenders see …
Checkmyfile Explained
Understanding your credit report can feel like trying to solve a puzzle with pieces from different …
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