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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: Are mortgage rates going down? [December 2023]
Inflation reached a record high last year, and now the Bank of England have announced that they will be keeping the base rate at 5.25% for at least another six weeks. In accordance with Prime Minister Rishi Sunak's pledge to cut inflation in half in 2023, the Bank of England has kept the ...
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...
What Stamp Duty Do I Need To Pay and Can My Mortgage Be Used To Cover it?
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 ...
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...
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...
How to Get Airbnb Buy to Let Mortgage Finance
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 Airbnb buy to let mortgage finance isn't as straightforward as you might think. The AirBnB market is continuing ...
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...
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...
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...
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....
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...
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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?
When applying for a buy to let mortgage, you may need to pass a lender’s stress test rather than simply prove that your rental income will cover your monthly mortgage repayments. The stress income cover ratio (SICR) is the calculation lenders apply to determine your affordability of a buy to ...
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...
How to use a bridging loan to buy a house in London
The London property market is notoriously competitive, so when you find the perfect home or a good investment opportunity, you need to move fast - this is where bridging loans come in. Unfortunately, getting the proper funding can often be challenging when buying a house in the capital. But a...
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...
Complex Income - How to Secure a Mortgage
If you're earning a mixture of salary, dividends, bonus, rental, or other forms of income, you could struggle to reach your full borrowing potential when it comes to getting a complex income mortgage. Many high street lenders will just take your largest source of income and exclusively use tha...
11 Sources of Business Finance Compared
Sources of business finance can come in so many different forms that sometimes it’s overwhelming. From secured business loans, through invoice financing and specialist VAT loans, to the research-laden world of government loans and grants, the range of options available is truly staggering. T...
A Guide To Offset Mortgages: Are They Still A Good Idea?
With consecutive mortgage rate hikes in the UK, many homeowners are faced with huge hikes in their monthly repayments. If you are thinking of remortgaging and have savings in the bank, it may make sense to consider an offset mortgage - a lesser-known product that could help you save money on yo...
Buy to let EPC loans for Landlords
The EPC regulations for rental properties are changing from 2025. If you’re a landlord looking to refurbish your buy to let property in keeping with these changes, an EPC loan could help. You may have heard of the Energy Performance Certificate (EPC) and the importance of hav...
Getting a Business Loan - 8 Top Tips
Knowing you want a loan for your business is one thing - but how do you go about getting a business loan? At Clifton Private Finance, we have some tips. A business loan is a financial arrangement in which a lender provides funds to a business entity to support its various financial needs...
NEWS: No Deposit Mortgage Now Available – Is It Worth It?
Skipton Building Society have 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&...
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...
Securing a Land Mortgage in 2023: What You Need to Know
We explore the intricacies of securing a land mortgage in 2023, 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...
Bridging Loan To Buy A House - Example Of How It Works
If you've found the property you want to buy and need to move quickly, a common option is to use a bridging loan to buy a house. Here, we look at some examples of how bridging loans can be used to buy property. How can a bridging loan be used to buy a house? In the past 15 years, bridging loans ha...
A Guide to Development Finance Rates
How do development finance rates compare to the average mortgage? Because development loans are usually only offered by specialist lenders, it can be difficult to understand what costs are involved and how they work. The added complexities of paying contractors, meeting deadlines and the inev...
Can I borrow against a property with no mortgage?
If you own your property outright, you may be wondering if it's possible to buy a property with no mortgage. You'll be pleased to know that it is possible and a few options exist. So what are they? Many homeowners look to access cash to help get through extraordinary circumstances. From loss of emp...
What is a Bridge Loan?
What is a bridge loan and how can it be used to buy a home? A bridge loan is a type of short-term finance often used to buy property. While mortgages tend to be the default when buying property, there are occasions where time is of the element and deadlines need to be met. In ...
How To Get A Construction Loan If You Are A First Time Developer
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...
How to Release Equity for Home Improvements
You've got a renovation project on the horizon, but you’re unsure how to fund it. If you’re a homeowner, you may be able to release equity for home improvements and achieve your refurbishment goals. Both homeowners and landlords will likely need to make changes to their prope...
The 8 Best Ways to Finance Home Improvements
The time has come in your journey as a homeowner - you're refurbishing your house and looking for the best ways to finance your home improvements. You might be giving your property a total makeover, or you might be a landlord anticipating the upcoming EPC changes. Either way, refurbishment cos...
How Does Property Development Finance Work?
Property development can be a lucrative venture, but it often requires substantial financial backing. Property development finance plays a crucial role in supporting developers looking to embark on construction or heavy refurbishment projects. It’s a sobering truth that the success of a build...
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? Our guide to 100% ...
Can You Remortgage Early On A Fixed Rate?
You may be considering leaving your fixed rate mortgage early. If you wish to lock into lower rates over an extended period, need a more flexible mortgage, or need to raise cash for home renovations or an emergency, remortgaging early could make sense. With interest rates currently in limbo and spe...
What is Development Finance?
Development finance, or property development finance, is a form of funding that enables property developers to undertake construction, renovation, or conversion projects. These tailored loans can provide capital to cover various property development expenses, such as land acquisiti...
A Guide to Development Finance Institutions
Development finance institutions are a possible alternate funding solution for large-scale development projects in areas and industries that private investors may otherwise struggle to access. Development Finance Institutions are organisations that reinvest the profits they make from successf...
How to Improve your EPC Rating: The Landlord's Guide
Why are landlords desperate to improve the EPC rating of their buy to lets? As we move towards a greener future, the government will be changing the minimum EPC (Energy Performance Certificate) requirements for rental properties from...
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...
Second Charge Mortgage Rates
While second charge mortgage rates can be higher than your first charge (because of added risk to your lender), they can be more than worthwhile if it helps you avoid ERCs (early repayment charges) on your existing deal, or prevents you losing a great rate on your existing mortgage (perhaps because ...
How Community Development Finance Institutions Can Propel Local Business
Community Development Finance Institutions (CDFIs) are vital in supporting local businesses and underserved communities. They can present an alternative option when it comes to development finance. CDFIs typically operate throughout the UK, giving regional funding and lending to certain types...
Working Capital Loans - How to Power Your Business with Essential Funding
Working capital loans can be a great option to help businesses with cash flow issues. A working capital loan is a short-term loan with the purpose of covering business costs and aiding expansion. Usually, they need to be repaid within 12 months, but in some cases, flexible loan te...
Finance For Property Development
Getting finance for property development can be a complex and challenging process. It often demands expertise, knowledge, and a strategic approach. So what's the best way to navigate this intricate landscape and obtain the funding you need? We provide our industry insights to help impr...
Can I refinance an existing bridging loan?
In short, yes, it is often possible to refinance an existing bridging loan with a new one. In the past, lenders tended to be unwilling to offer bridging loans to refinance a previous bridging loan. However, many lenders are now willing to consider this approach, often referred to as “re...
Development Finance Lenders | Compare Rates and Quotes
Looking to compare development finance lenders for your project? As development finance experts, we know it can be an incredibly difficult task. Largely because the lenders out there specialise in different areas of property development. Whether it's a commercial development, a build-to-le...
Chain Break Finance - The Bridging Loan Solution
The collapse of a property chain can be incredibly frustrating for those purchasing a new property – buyers are left stuck without funds, unable to sell their existing property. Chain breaks happen often and are typically outside the control of the burned party – when a buyer pulls out,...
Remortgage After a Bridging Loan | How it Works
Buying a property with a bridging loan and then remortgaging afterwards is a popular strategy for homebuyers and property investors alike. A bridging loan gives you the speed, flexibility and ‘cash-buyer-status’ to snap up your dream property and beat the competition. And as soon as yo...
Bridge to let loans: What you need to know
Bridge to let loans are a flexible short-term finance solution for buy to let and investment properties, most commonly used when: You don't have the cash to hand and need funds to bridge the gap (perhaps you're waiting for another property to sell elsewhere) You're buying an investment property ...
Can a Bridging Loan Affect Your Mortgage Application?
Does taking out a bridging loan impact your ability to apply for a mortgage? We explore whether bridge finance affects your credit history and how an expert can help you navigate this. There are many advantages to using bridge finance. Bridging loans can be processed quickly and offer f...
How to Find and Download Tax Documents for a UK Mortgage
If you're self-employed and applying for a UK mortgage, you'll need to find and download the right tax documents for your application. Read our guide for clear and easy steps to navigate this essential part of your self-employed mortgage application. For self-employed borrowers, lenders a...
Bridging Loan vs Mortgage: Which is the right choice for you?
Bridging loans and mortgages are both primarily used for property purchases, but there are scenarios better suited to both types of property loan. The question is, which one would work best for you? Both types of loans are known as “secured loans”. They both require collateral, an ...
Unregulated Bridging Loans - 6 Things you need to know
Contents What is an Unregulated Bridging Loan? What can unregulated bridging finance be used for? Bridging loan calculator Regulated vs Unregulated Bridging Loans Are Unregulated Bridging Loans Safe? Benefits of Unregulated Bridging Loans What are the...
The Ultimate Guide to Buying Property in South Kensington
If you’re looking to buy property in South Kensington, read our guide on how to get started. The Royal Borough of Kensington and Chelsea is one of the most sought-after areas in London for plenty of reasons... South Kensington is one of London's most affluent and costly neighbourhoods, home t...
Short Term Bridge Loans Explained
Bridging loans, unlike mortgages, are designed to facilitate short-term borrowing – this is where the name "bridge loan" comes from. Its function is to bridge a financial gap for borrowers who need quick access to funds and those looking for a more flexible product than a traditional mortgage...
Can You Use Bonus Income and Commission Payments Towards Your Mortgage?
Whether you can use your bonus and commission as income towards your mortgage is a question we’re asked more and more every day. On target earnings (OTEs), commission-based salaries and large annual bonus payments are becoming increasingly common in today’s corporate world. The effecti...
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...
Bridging Loan Criteria
There are hundreds of lenders across the UK with varying bridging loan criteria – some facilitate specialist loans, while others finance bridge loans for low-risk borrowers. Whatever your need for a bridge loan, there's likely a lender out there who can facilitate it for you – the ...
Bridging Loan Advice
In today's fast-paced and competitive property market, a bridging loan can make all the difference between seizing an opportunity and watching it slip through your fingers. But understanding the risks, costs, and process can be daunting for homebuyers who have never used them before. Clifton Priva...
Living In Dubai? 4 Ways A British Expat Can Get A UK 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 buy a property back home. It might be an investment, a buy-to-let, for family, or for when you visit the UK. But if yo...
Mortgages for Freelancers
Have you struggled to find a mortgage as a freelancer? Or at least one that's the right size for your needs and at the right interest rate? You may have heard you need at least 2 years' accounts as a freelancer, or that you can't borrow as much, or that you'll need a bigger deposit. But this isn't...
How to Get a Skilled Worker Visa Mortgage
It can be difficult to get a Skilled Worker Visa mortgage because some high street lenders are unfamiliar with processing more complex mortgage applications. A Skilled Worker Visa, known as the Tier 2 visa before December 2020 can allow you to live and work in the UK for up to five y...
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...
What Deposit Do You Need For A Bridging Loan?
Generally, most bridging lenders require a deposit or equity of at least 20% to 40%. However, lenders can vary on requirements, and the specifics of your circumstances can change things - so how exactly does it work? And what are the rules? A lot can depend on the equity used to secure your b...
How To Get Fast Property Auction Finance
Property auction finance needs to be quick and efficient to keep up with the fast-paced and competitive nature of property auctions. This is why a standard mortgage usually doesn't work for auction finance. They take too long to arrange (typically a number of months), with affordability checks base...
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Bridging Loans: How Much Can I Borrow?
How much Can you borrow with a bridging loan? Do you need a short-term finance solution to inject cash quickly without the waiting time of traditional longer-term borrowing? Short-term finance such as bridging loans can be a very helpful form of finance for the right borrower, depending on your cir...
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Can I Get A Bridging Loan To Pay Inheritance Tax?
Yes – this is precisely the kind of situation where bridge finance can be the solution you need to some of the administrative issues that can make managing probate so stressful. In addition to all the grief and family upset when someone dies, there’s a frustrating Catch 2...
Regulated Bridging Loans - What You Need to Know
If you're looking to finance a residential property purchase, regulated bridging loans are a popular short-term and flexible funding solution. Traditional mortgages, in comparison, can often be inflexible and slow to start. But not everyone understands how useful regulated bridge l...
How to get refurbishment finance for a buy to let property
Using refurbishment finance could help you get higher rental income as a landlord. If you're looking for a buy to let property to generate an income, finding one that needs significant renovation could help you grab a bargain. But if you don't have the cash on hand to pay for renovations, ...
What is a Bridging Mortgage?
A bridging mortgage, usually referred to as a bridging loan, is a type of short-term property loan. They provide short-term financing (usually 12 months) with greater flexibility than standard mortgages. But despite their flexibility, few people realise how useful they can be as a...
Mortgages for doctors: finance to suit the medical profession
Doctors and medical professionals face particular challenges when applying for a mortgage. But with the advice of a specialist mortgage broker, some very attractive mortgage deals are available to you. We’ll show you how to maximise your borrowing power and speed up your mortgage approval whe...
NEWS: Latest Mortgage Rates
With the BoE increasing the base rate to 4% last week, we look at the latest rate changes across the mortgage market. This week, Nationwide reduced their fixed rate mortgage rates by up to 0.75% across certain products. HSBC are also now offering the first 5 year fixed rate mortgage under 4% inter...
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...
How to Secure a High Value Mortgage
High value mortgages are often more difficult to secure than you might expect. You may assume that banks and lenders will be chomping at the bit to offer you a high value mortgage so they can start earning interest on a larger-than-average loan. However, it's not always the case. The issue wi...
How To Get A Barrister Mortgage
Securing a barrister mortgage can actually be more challenging than you might expect. As a highly qualified professional with excellent income growth potential, you'd expect getting a good mortgage would be easy. But as a self-employed practitioner with highly variable monthly income an...
How To Get A Holiday Let Mortgage
This guide looks at what kind of mortgage you need for a holiday let, what rates you'll pay, what deposit you need, how to get one, etc. We've seen a significant influx in property purchases for holiday lets across the UK in recent years. However, mortgage lenders have been slow to keep up, and mos...
How to get a joint mortgage with a non-UK national partner or spouse
Getting a joint mortgage where one partner is not a UK national can be challenging. We have a strong track record in matching international clients with the lending they need. This guide explains why it can be difficult and what you can do to improve your chances. Skip to: Why is it difficult? 3 ...
Mortgage Broker for BM Solutions
Those applying for a mortgage or product transfer with Birmingham Midshires must now use a mortgage broker. In light of this change, many have been seeking experienced mortgage brokers to get a mortgage with BM Solutions. Employing the services of a mortgage broker is a good way to ensure success ...
