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Can I Remortgage If I Own My House Outright?
You may wonder if you can remortgage your house if you own it outright. When you own an unencumbered (mortgage-free) property, you can use its value as security for a new mortgage and release some of the capital locked up in it. An unencumbered remortgage will give you access to a lum...
Government Start Up Loans
One of the questions that many people considering starting a new business ask is: ‘what financial help is there?’ Thankfully, the answer to that is: ‘lots’. In the UK, one of the first places people might like to consider looking is to the government itself, in the form of ...
How to Get a Limited Company Buy to Let Mortgage
Is it better to buy a buy to let property through a limited company or special purchase vehicle (SPV)? Whether you're buying your first investment property, or are an established private landlord, the tax benefits of mortgaging your property through a limited company can be sig...
How To remortgage A Buy To Let Property
You may be considering if the time is right to remortgage your buy to let property. You could find a better deal or release some equity for further property investment. Here we explore why you might want to remortgage a buy-to-let property (BTL), what considerations you need to make,...
What Is A Buy To Let Mortgage Stress Test And Will I Pass It?
A buy to let stress test is a process that most landlords go through when purchasing a property to rent. But how is it used, and how does it affect your mortgage eligibility? The stress income cover ratio (SICR) is the calculation lenders apply to determine your affordability of a buy to let (BTL) ...
How to Secure a Land Mortgage in 2024
We explore the intricacies of securing a land mortgage in 2024, providing expert insights and tips to help you navigate the process with confidence. What is a Land Mortgage? Land mortgages are specialised loans designed for purchasing land. They differ from standard residential mortgages due to th...
Bridge to Let Loans: What You Need to Know
Bridge to let loans are flexible finance solutions for buy to let and investment properties. In many circumstances, they can empower you to act like a cash buyer if you are experiencing a short-term funding gap. These loans are most commonly used when: You don't have the cash to hand and need fu...
Can My Mortgage Be Used To Pay Stamp Duty?
When buying a home, getting caught out by a higher Stamp Duty tax bill than you expect is the last thing you need. If you can’t afford it, it could mean reducing the deposit you can put down or needing a larger loan, which can reset your lender’s mortgage calculators and leave you with ...
2024 Spring Budget - What it Means for SMEs
Cuts to National Insurance, an increased VAT threshold, and frozen alcohol duty—will these help businesses in the cost-of-living crisis? Chancellor Jeremy Hunt’s Spring Budget has indeed been wrought with controversy since its announcement on Wednesday. The primary change that has...
Spring Budget 2024: 5 Key Takeaways for the Property Market
Property owners are left wondering what to expect after the Chancellor proposed changes to short-term lets, capital gains tax, and the non-domicile status. Chancellor Jeremy Hunt announced in his Spring Budget that the government plans to scrap multiple dwellings relief and the furnished holi...
NEWS: Are mortgage rates going down? [March 2024]
The Bank of England have held the base rate again at 5.25% in February for at least another 6 weeks, despite speculation of rates going down - but how long will that last? In accordance with Prime Minister Rishi Sunak's pledge to cut inflation in half in 2023, the Bank of England has kept the ...
NEWS: Best Place to Invest in Property 2024 Revealed
High rental demand and growing property prices – here's why Bristol is the UK’s newest buy to let hotspot According to Aldermore’s Buy to Let Tracker, Bristol has been named the Best City for Property Investment in 2024. The decision is based on five key factors: average ren...
Is Now the Time to Switch? Major Lender Offers New 5-year Fix with No ERCS
Mortgage rates are at their lowest since 2021, but consumers are stumped over whether now is the time to commit to a new deal. A major lender has released an innovative new product allowing customers the ability to lock in the market’s current rates, but flexibility to switch prod...
The 9 Best Places to Live in the UK | 2024
Moving to the UK? We've put together a list of the best places to live in the UK if you're an expat or foreign national, rated for affordability, lifestyle, work opportunities and overall happiness. Moving to a new country is a monumental decision that opens the door to fresh experiences, dif...
Buying a House in the UK From Abroad
There are a lot of myths and misconceptions about buying a house in the UK from abroad. Is it possible? The answer is a resounding YES. You might be a foreign national looking to invest in the UK property market or an expat looking to return to the UK. Either way, it's important to know that there ...
Home Improvement Loans - The 7 Best Options
You’re looking to refurbish your property, but you need funding – here are the seven best home improvement loans for your next project. The time has come for you to redecorate. Whether you’re a homeowner tired of looking at an old kitchen or a landlord replacing a leak...
Revolving Credit Facility
A revolving credit facility, sometimes called a “line of credit”, is one of the more powerful tools available to businesses looking to manage their cashflow, but how does it work and what makes it different to the other types of business finance? More importantly - how can you use a revo...
How to Get a Skilled Worker Mortgage
You may be wondering if you can buy a house in the UK on a skilled worker visa - and the answer is a resounding yes! There are some additional challenges, but it is very much possible with the right lender. A Skilled Worker Visa (also known as the Tier 2 visa before Decembe...
Interest Only Vs Repayment Mortgage: Which Is Best?
Making a decision between an interest-only or repayment mortgage is an important financial decision. Here, we look at the key differences between these mortgage products and how a specialist mortgage advisor can help you choose the right mortgage for you and your circumstances. When ...
How To Refinance a Property in the UK
It's common to refinance a property during your mortgage term. Over time, interest rates will fluctuate, and you will build up equity in your property, allowing you to switch to more advantageous products. The average mortgage term is 30 years, but you won't typically be on the same mortgage deal f...
How Do Business Loans Work?
You know that you need capital for your business, you know that you can get a loan to help, and you know that it means having to pay back money over time, but really, how do business loans work? At Clifton Private Finance, we’re here to tell you. How Business Loans Work - The Bas...
Supply Chain Finance
Managing cashflow is an important aspect for any business, but it is rare that you truly consider your supplier’s cashflow - after all, someone else’s business is their business, right? This approach can be somewhat shortsighted, however. Making an assumption that they’re in a bet...
Franchise Finance
Opening a franchise is a secure way to own a business - and more importantly, a profitable business. Statistics published in a 2018 joint report between the British Finance Association (BFA) and NatWest, show that 93% of franchises were considered profitable in 2018. While those figures (the lates...
The Beginner's Guide to Construction Loans
Development finance lenders exist to provide construction loans to individuals and companies to make the best return possible over the shortest space of time, at the least possible risk. It's their raison d'être. On the other hand, you have a terrific development opportun...
Asset Based Finance | Everything You Need To Know
For many businesses, asset-based finance is the best solution for capital needs. But what does an asset-based secured loan actually entail? At Clifton Private Finance, we have the answers. And while you're here, if you want to speak to a specialist about your options - whether that's asset-bas...
Mortgages for Doctors - Finance for Medical Professionals
Mortgages for doctors are not as straightforward as you may not expect. Doctors and medical professionals face particular challenges when applying for a mortgage. But with the help of a specialist broker, there are some highly favourable terms available to you. We’ll show you how to ma...
Living In Dubai? 4 Ways to get a UK Expat Mortgage
If you're a British national looking to get a UK expat mortgage from Dubai, you may be wondering what's available for you. There are a variety of reasons you may want to purchase a property back home. It might be an investment, or you may be planning on returning to the UK. But you've pr...
News: UK’s Top Ten Rental Yield Hotspots for Landlords
Where are the best places in the UK to invest in property? We explore the Top 10 Rental Yield Hotspots for landlords, touching on the current rental landscape in Britain and what makes these areas, in particular, so great to invest in. Despite occasional fluctuations, demand for property in the UK ...
How To Get A Mortgage On A UK Property If You Live In Australia
Getting a UK mortgage can be challenging if you live in Australia. Australian residents will face scrutiny when applying for an international mortgage in the UK- but there are ways to make the process smoother. This article explores the options available to you as an Australian resident and th...
Applying for Retrospective Planning Permission: Is it Worth the Risk?
Retrospective planning permission is a common occurrence in the property development world. You may have made an honest mistake during building works and only realised afterwards you need permission. Or you may have discovered you can’t sell your house unless it matches the land registry recor...
My House Has Gone Up In Value: Can I remortgage?
One of the most common reasons homeowners choose to remortgage is because the value of their house has increased. If you have more equity in your home than when you first took out your mortgage, you can remortgage to get a better deal with lower rates. Or, you may be able t...
BoE Interest Rates Staying at 5.25% - But Experts Predict First Drop in 2 years
The Bank of England has decided to keep its rates at 5.25%, but the Bank of England Governor says they have a handle on inflation. The Bank of England Governor, Andrew Bailey, has released a statement saying that inflation has been falling steadily over the past few months and is now at appro...
Invoice Factoring vs Discounting
Invoice discounting vs factoring is a common debate for businesses small and large looking to raise finance against their unpaid invoices. Invoice finance itself represents a way for your business to weather the storm of invoicing terms - that 30-day or longer period between sending out an invoice ...
A Guide to Bank Statements When Applying for a Mortgage
Whether you’re applying for a first time buyer mortgage, a buy to let mortgage, a development loan or any other type of property finance, you’ll need to provide your recent bank statements to your mortgage lender. In this guide, we look at why mortgage lenders ask for your bank sta...
Guide to Innovation Grants
Innovation grants are a fantastic way for businesses that undertake new scientific or technological developments to get funding. The path to obtaining an innovation grant is not an easy one but the reward is well worth the effort. At Clifton Private Finance, our team are dedicated to helping your ...
5 Ways To Get Into UK Property Development For The First Time
When you apply for development finance, lenders will typically put a lot of weight on the success of your past projects, making it notoriously tricky to get into UK property development for the first time. You’re ready to join the 2.5 million property investors in the UK and start building yo...
Are Bridging Loans a Good Idea?
Bridging finance has become a popular funding solution in the last decade, but are bridging loans a good idea? A bridging loan can be a good idea depending on what kind of property finance you need, for how long, and whether you have a solid exit strategy in place. In this guide, we explain what b...
What Is Trade Credit & How Does It Work?
Businesses whose primary customers are other businesses (known as business-to-business or B2B companies) typically engage in an arrangement of trade credit. Whether formal or informal, this system allows for work to flow between companies without being stifled by cash flow issues or administrative ...
Startup Funding | The 5 Best Options
Startup funding can be a bottleneck hurdle for an already complicated process - starting a new business. Turning your lofty dreams of business ownership into a reality needs a combination of determination, perseverance and, most importantly, capital. Raising the money needed for yo...
Invoice Discounting | 7 Advantages And Disadvantages
Invoice discounting is one of the two main types of invoice finance available for companies to leverage their accounts receivable and release funds early, but what exactly does invoice discounting do for you and is it right for your business? Let’s look in-depth at the pros and cons of in...
Factoring Companies | Comparing Invoice Factoring Options
Factoring companies can help you solve one of the biggest problems for businesses in the UK: cash flow. When cash flow is good and there's a comfortable positive bank balance, it's possible to invest in the future and grow the company. If a business struggles with cash flow, however, it can feel ch...
Remortgaging as a UK Expat - The Comprehensive Guide
If you're living overseas, remortgaging as a UK expat isn't as complex as you might think. But remortgaging with a high street lender may not be the most cost-efficient route to take. There are many reasons you may want to remortgage your property while living overseas. Some of these include...
NEWS: A Guide to the Most Expensive Streets in the UK
Are you dreaming of living on one of the most expensive streets in the UK? Or perhaps you're just curious about what makes a truly prime property location? In this post, we take a tour of the streets with the highest average property prices in each area of the UK, according to recent data...
100% Bridging Loan | How it Works
If you're looking for a bridging loan to cover the total amount of a property's value – you'll need a 100% bridging loan, or 100% LTV (Loan-To-Value) bridging loan. This means you don't need to put down any deposit for your bridging loan, and can borrow the full value of the property yo...
Get a Bridging Loan to Buy and Renovate a Property to Sell
Thinking of buying a property to renovate and sell? House flipping can be lucrative, but funding these projects can be an issue. Bridging loans can offer a fast and flexible solution. If you’ve found a property that offers scope for you to refurbish and sell at a profit but don't have y...
How to Finance a Barn Conversion Using a Bridging Loan
Barn conversions have been a popular way to create stunning rural homes full of character for many years, but as with any conversion of a non-residential building, funding can be an issue. You may not be able to get a mortgage for these builds, but a bridging loan could finance your barn conversion ...
How to Use a Bridging Loan to Buy a House in London
Getting on the property ladder in the capital can be challenging - but did you know you could use a bridging loan to buy a house in London? The London property market is notoriously competitive, so when you find the perfect home, you need to move fast - this is where bridging finance comes in....
Changes to R&D Tax Credits In The 2023 Autumn Budget
If you run an innovative business, you'll likely have come across the UK government's Research and Development (R&D) Tax Credits scheme. This programme has been providing valuable support to companies undertaking important R&D work for over 20 years now. However, we’ve noticed a lack ...
How To Get A Bridging Loan To Buy, Refurbish And Sell A House
Property flipping can provide healthy returns if done correctly. If you've found a 'fixer-upper', you could use a bridging loan to refurbish and sell it. Unless you have a significant amount of cash at your disposal, you will likely need to borrow finance to fund the purchase and ren...
Unlocking Opportunities with 100% Development Finance
100% development finance can play a pivotal role in bringing ambitious property projects to life. It can provide the necessary capital for developers to acquire land and finance construction. Is it possible to find a lender willing to finance 100% development costs? Yes, but only if y...
How To Get A Bridging Loan In Scotland
Acting quickly is essential to closing deals in Scotland's property market, and bridging finance can help - but is it easy to get a bridging loan in Scotland? Whether you're looking to buy Scottish property for commercial or residential purposes, having fast finance in place will save you from...
Day Rate Mortgage - How to Borrow at Your Daily Rate
As a contractor or freelancer in the UK, your income situation can make getting a mortgage more difficult than if you were a permanent employee. This is especially true if you are compensated on a day rate basis. While your daily or hourly contract rate may be high, limited company complexities mea...
Can I Get A Bridging Loan To Pay Inheritance Tax?
Yes - it's common to use bridging finance to pay inheritance tax before it is due. In fact, using short-term finance can be a convenient means to handle some of the administrative issues that make managing probate so difficult. One of the common issues that can arise during this process is that the...
How much does a bridging loan cost?
Bridging loans typically cost 1-2% of your loan size, charged as an arrangement fee by your lender. You also usually pay: A monthly interest rate Valuation or survey fees Legal fees Broker fees Other admin fees, such as drawdown and redemption fees This might seem like a l...
Understanding Business Loan Interest Rates
Almost every business loan comes with interest - it’s one of the key costs to consider when taking out a loan. But it can be difficult to know when you’re getting a good deal on your business loan interest rate. Your interest rate is how much it costs to borrow from a lender. Your...
Should I Use An Expat Mortgage Broker Or Go Directly To A Lender?
If you’re an expat looking to purchase or remortgage a property in the UK, a common question is whether it’s best to secure your expat mortgage directly through a lender or approach an expat mortgage broker. Although you’ll ultimately have to speak to a specialist expat lender reg...
NEWS: Research Reveals Insights into UK Mortgage and Property Market in 2024
Our recent survey results provide insight into public perceptions regarding interest rates, mortgage repayments, house prices, and the housing crisis debate in the UK in 2024. About Clifton Private Finance: Clifton Private Finance specialises in mortgage brokering and property finance, o...
How to get development exit finance as your building project nears completion
When a property development project is coming towards the end of its agreed term of finance, unexpected delays in finishing the build or finalising sales can have a major impact on the cost of your finances and the profitability of your development. Development exit finance wins on three counts...
How to use a bridging loan to buy a house before selling your current home
In an ideal world, we'd all wait to sell our old house before buying a new home. But in reality, it's not always possible: the market may be slow, a buyer may have dropped out, or you might want to do renovations before moving in. Short-term borrowing allows a financially-aware buyer t...
How To Get A UK Mortgage When Living And Working Abroad
It's certainly possible to get a UK mortgage while living abroad, but applying for a UK mortgage as an expat can be difficult because being based overseas makes it that bit harder for lenders to establish your earnings and check your credit history. You may find that you need to give your credit sc...
How to get a UK expat mortgage
How does a UK expat mortgage differ from a standard UK resident mortgage? We cover some of the challenges British expats commonly face when seeking UK property finance and what to expect if you decide to return to Britain. It's true that applying for a UK mortgage as an expat can be more compl...
How To Get A UK Mortgage With A Foreign Income
Whether you're working abroad with aims to return to the UK, or you're a British resident earning in a non-sterling currency, getting a UK mortgage with a foreign income can come with its challenges. Many high street banks will shy away from borrowers on a foreign income. Still, whether you're...
A Guide To Bridging Loan Interest Rates
Many understand the interest rates associated with traditional mortgages – yet, bridging loan interest rates and how they work can vary significantly. Short term property finance, namely bridge loans, are an excellent way to finance property and are often best suited to circumstances that dem...
Business Loans For Limited Companies
If you're the director of a limited company, you may need access to a loan to boost the growth of your business or support your cash flow when times are tough. Limited company loans are a specialist type of business finance available to help limited companies. As a limited compa...
What Are DSCR Loans and How Do They Work?
DSCR loans are becoming increasingly popular in today's market. Instead of using your credit history, your eligibility for a DSCR loan is calculated using the projected income of the assets you'll be purchasing with the loan. Lenders and investors constantly seek to mitigate risk. For this reason, ...
A Guide to Tractor Finance
For most farms, tractors are an essential part of daily life. Tractor finance is borne from the need to use specialist agricultural machinery like this, even when access to capital is low. Getting quality agricultural machinery is important to keep your farm or agricultural business running. ...
Getting An Airbnb Mortgage: Everything You Need to Know
Since Airbnb first gained traction in the UK in 2015, it has become an increasingly lucrative way to rent property. But while the returns for this type of rental are high, securing an Airbnb mortgage isn't as straightforward as you might think. The Airbnb market is continuing to grow througho...
HMO Mortgages – How To Finance An HMO Property
HMOs are still proving to be a lucrative investment today, but if you're looking to secure finance, expect different lending options for an HMO mortgage. The ROI returns can be impressive, but only a few specialised intermediary-only lenders will fund a foray into the multi-let market. If you've p...
7 Ways to Get a Business Loan in the UK
When looking at getting a UK business loan, there are many things to consider. With a wide range of products and an even wider range of lenders in the marketplace, it can be the work of ages just to sift through them. At Clifton Private Finance, we have a team of experts ready to help you fin...
NEWS: No Deposit Mortgage Now Available – Is It Worth It?
A major lender has launched a no deposit mortgage that lets first-time buyers get a 100% LTV mortgage (loan to value). The minimum deposit is usually 5% for first-time buyers. So, what makes this mortgage different? Is there a catch? And what will the interest rate be? // Here’s wha...
Can I Get A Mortgage For 5 Or 6 Times My Salary?
There ARE "5x, 5.5x and even 6x" salary mortgages out there, offering maximum borrowings on your earnings. How can you get your hands on one of them? It’s not just hard-pressed first-time buyers who need to maximise their salaries' borrowing potential to get a toe-hold on the property ladder....
Should You Get a Tracker or Fixed Rate Mortgage in 2024?
The Bank of England has announced that it's keeping base rate at 5.25%. We're taking a snapshot of the best rates available on the market today for fixed and tracker mortgage products and see how they compare. With higher interest rates driving up costs, many are asking what this means for our mort...
NEWS: Will house prices drop in the UK in 2024?
The average home price has dropped by over 3% since October 2022, with experts predicting further reductions in 2024. House prices were rising until October 2022 and then followed a series of monthly drops in the property market throughout 2023, according to Nationwide's house price inde...
Yes - You Can Get A Bridging Loan With Bad Credit
Can bad credit affect your ability to get a bridging loan? Find out why it's still possible to get short term bridge finance, how it could even help improve your credit rating in the future, and our quick guide to securing the funds you need. Many people believe they will get rejected for...
NEWS: Top 3 Postcodes for Buy-To-Let in Wales
The Welsh housing market is leading the way in growth of housing prices, and this demand is spilling into the rental market. As of August 2023, house prices in Wales had fallen just 0.1% year on year, which compares to a massive 1.4% drop for London comparatively. Source: Govern...
Personal Portfolio Bond Tax for Expats Returning to UK
If you’re a British expat retuning to the UK, it’s likely that you’ve invested in a Personal Portfolio Bond (PPB) that’s capable of holding structured notes or direct shares – especially if you’ve received financial advice while overseas. PPBs and offshore bonds ...
Your Business Credit Score: What it is & How to Build it
Your business credit score plays a pivotal role in securing external funding - whether it’s a well-planned expansion loan to move the company to the next level or a burst of invoice financing to see you through a dry patch. No matter what size loan you're seeking to help grow your compa...
Bridging Loans For Property Development | How It Works
Bridging loans for property development can get development projects underway fast – but both experienced and first-time developers don’t always fully understand the range of options available. Property development bridging loans are typically only accessible from private or specialist ...
SaaS Finance | How To Get SaaS Funding & How It Works
Software as a Service (SaaS) companies have boomed in the last decade, leading to a host of new SaaS finance products that suit their unique needs. Because ultimately, getting the right funding for your business has a lot to do with the nature of your business. Finding lenders or investors that un...
NEWS: First Time Buyer Mortgage at 5.5 Times Salary Now Available
A major high street bank is now offering 5.5 times salary mortgages for first time buyers. Typically, the largest mortgage you can reach as a first-time buyer is capped at 4.5 times your income for most lenders. But with house prices at record highs across the UK, first-time buyers need to stretch...
How To Get A Multi Million Pound Mortgage
When you think of a multi million pound mortgage, you may think of London, but there's an increased demand for high-value properties across the UK as a whole. Whether you're a first-time homebuyer or an experienced property investor, getting a mortgage for such a large sum of money can be a dauntin...
Commercial Mortgage Rates
Commercial mortgages are a vital source of finance for British businesses looking to purchase or expand into new premises. With the right mortgage deal, and favourable commercial mortgage rates, companies can fund growth and secure ideal commercial spaces. However, there are some key differences t...
Buying Property in the US as a UK Citizen
Dreaming of owning a piece of the American real estate? For UK citizens, investing in the US real estate market is an exciting but intricate endeavour. Nevertheless, with the right knowledge, buying property in the US as a UK citizen can be a seamless experience. This guide will equip you wit...
Mortgages for Company Directors: How to Use Company Profit to Get the Size of Loan You Need
If you're looking at what mortgages are available for company directors, it's likely that you may need a mortgage lender to include your company's profits towards your affordability calculations. A large portion of high street lenders won't accept your company profits as proof of income - but...
Clifton Private Finance Retains Regulated Bridging Broker of the Year
We are delighted to announce our consecutive win as the Regulated Bridging Broker of the Year at the esteemed B&C Awards 2023. Held at The Hurlingham Club in Fulham amidst the lively ambience of a Rio De Janeiro Carnival theme, the award follows the company’s remarkable success in earning...
Understanding Short Lease Mortgages - The Complete Guide
If you're looking to buy or remortgage a property with a short lease remaining, you likely have questions about eligibility and process. You’ll want to know exactly how short lease mortgages work, what lease extensions are, and what the potential risks and concerns a short lease mortgage may b...
Converting a Pub to Residential Use - How it Works
As affordable housing becomes harder to come by, investors are getting creative. One option that has grown in popularity is converting a pub into a residential space. Pubs across the UK are struggling and closing at an alarming rate, with two disappearing every day according to recent statist...
What Makes it a Business Loan? The Business Loan Definition
What is the definition of a business loan? The definition of a business loan is money lent to a company which needs to be paid back, usually with interest, over a set period of time. And yet obtaining finance for your business can seem overwhelming - getting the right finance for your busines...
How To Get A UK Expat Buy To Let Mortgage
Getting an expat buy to let mortgage can be trickier than if you live in the UK - but it can be done. If you're a UK national living in another country, you may be trying to figure out how to finance a property back home. Perhaps you're looking to keep a house y...
How to Switch to a Buy to Let Mortgage
Switching from a residential to a buy to let mortgage can be a daunting process, especially if you’re unsure if you’ll pay any early repayment charges or mortgage set-up fees. But if it can unlock the rental potential of your current residential property and help fund your ambitions to ...
How Commercial to Residential Conversions Work | Change of Use
Commercial to residential property conversions present an exciting opportunity for SMEs and property developers in the UK. For over a decade, the country has not built enough homes to meet the ever-growing demand. This grim reality has various ramifications—from skyrocketin...
Business Loan Eligibility – 9 Things to Know
A business loan may be the best next step for your business, helping you expand the company and start a new chapter. But what do you need to have in place to show lenders that your business is able to pay back that loan? In this short guide, we take a look at business loan eligibility and offer advi...
New Product Launch: Heavy Refurb Finance with Drawdown Facility
A heavy refurb loan with a drawdown facility, providing ultimate flexibility on conversion projects is now available. Typically, refurbishment loans are disbursed in one tranche, meaning you pay interest on your entire loan for the full duration of your term. But if you only need, say, £50,0...
US Citizens Buying London Real Estate: 9 Things You Need to Know
If you're a US citizen looking to invest in London property, you're certainly not alone. And if you're wondering how easy it is to get a UK mortgage as a non-UK national, the good news is, there are plenty of specialist lenders who will be willing to make you an offer. The UK property market i...
8 Alternatives to Bridging Loans
Alternatives to bridging loans are worth looking into if you don’t only need a short-term property loan to fill a gap in funding. There may be a range of options out there, depending on your specific circumstances and the reason you are seeking funding. Bridging loans...
How to Get Finance to Buy an Uninhabitable Property
It’s the bargain of the century - a wreck which could be your dream home. Or it’s a profitable "doer-upper" which you could renovate-and-rent-out, or fix-and-sell. But before you start looking for finance to buy an uninhabitable property, there are a few things you should ...
How to Secure a Mortgage for a Property Without a Kitchen
If you’re considering getting a mortgage for a property without a kitchen, it’s important to know that this does present some challenges. However, it is possible with the right approach. There are several reasons you may want to buy a property without a kitchen, for...
How to Get a Mortgage for a Property with Two Kitchens
Are you considering purchasing a property with two kitchens? While having two kitchens can be a fantastic feature, it can also raise questions when it comes to securing a mortgage. In this guide, we'll explore the ins and outs of getting a mortgage for a property with two kitchens, including...
London Airspace Development - How to Secure Finance
Struggling with severe land shortages and underutilised vertical spaces, London’s Airspace Development landscape is growing rapidly. The ability to build upwards presents lucrative prospects for developers who aren’t afraid of a complex project. As the UK housing market strug...
Airspace Development Loans: The Comprehensive Guide
Airspace development loans are on the rise in the UK property market, offering a novel solution for housing shortages by creating new dwellings above existing structures. Recent shifts in planning regulations, such as expanded permitted development rights, have unlocked prospects for de...