News: How Will The Stamp Duty Holiday Impact the UK Property Market?

News: How Will The Stamp Duty Holiday Impact the UK Property Market?

08-July-2020
08-July-2020 15:12
in News
by Admin
News: How Will The Stamp Duty Holiday Impact the UK Property Market?

Rishi Sunak has just made the much-anticipated announcement today as part of his summer statement: UK house buyers are to receive a Stamp duty holiday on properties up to £500,000, which will last until March 31st 2021. This change will take place with immediate effect. What exactly is st...

How To Get A UK Expat Buy To Let Mortgage

How To Get A UK Expat Buy To Let Mortgage

03-July-2020
03-July-2020 18:50
in International
by Jennifer Stevenson
How To Get A UK Expat Buy To Let Mortgage

The last few years have been tough for British expats who want to purchase or remortgage a buy-to-let property in the UK. A number of regulatory changes have affected the buy-to-let mortgage market in the UK, which has have had the effect of reducing the numbers of lenders willing to get involved ...

How to get a business loan

How to get a business loan

16-June-2020
16-June-2020 23:25
in Commercial
by Jennifer Stevenson
How to get a business loan

Building up stock, refitting premises, buying vehicles... if your business is going to grow and thrive you'll need more finance than you can generate from turnover. We can help you get it. "A big business starts small" says one lauded British entrepreneur who started his business career sellin...

How can I get an interest-only mortgage?

How can I get an interest-only mortgage?

16-June-2020
16-June-2020 13:23
in Mortgage
by Jennifer Stevenson
How can I get an interest-only mortgage?

Minimise your monthly payments and free up your cash for other priorities: school fees, supporting a growing business, or other investments.  It all sounds very attractive. And increasing numbers of lenders are now offering interest-only mortgages. But is this the right kind of borrowing for y...

How Fast Can I Get a Bridging Loan

How Fast Can I Get a Bridging Loan

02-June-2020
02-June-2020 11:45
in Bridging
by Jennifer Stevenson
How Fast Can I Get a Bridging Loan

When the property market’s strong, cash buyers are typically in pole position to acquiring in-demand property.   And when the market is nervous, and fewer properties are coming up for sale, sellers may be willing to discount – but they will only want to consider fully-qualified b...

Business as usual: property finance that can proceed without site visit valuations

Business as usual: property finance that can proceed without site visit valuations

30-April-2020
30-April-2020 23:28
in Mortgage
by Jennifer Stevenson
Business as usual: property finance that can proceed without site visit valuations

Trades and professions supporting the property industry are working hard to adapt to the "work from home" business environment. And amongst those having to urgently re-think work practices are surveyors. By definition carrying out on-site property valuations is not work you can do from home. And mo...

Living In Dubai? 4 Ways A British Expat Can Get A UK Mortgage

Living In Dubai? 4 Ways A British Expat Can Get A UK Mortgage

30-April-2020
30-April-2020 23:22
in International
by Jennifer Stevenson
Living In Dubai? 4 Ways A British Expat Can Get A UK Mortgage

A generous expat salary: tax-free. British banks should be falling over themselves to offer you a mortgage on a UK property. But getting an expat mortgage on property in the UK isn’t always straightforward, and there can be additional problems when you’re an expat living and working...

News: Giving Your Commercial Tenants a Rent Holiday

News: Giving Your Commercial Tenants a Rent Holiday

25-March-2020
25-March-2020 10:13
in Private clients
by Jennifer Stevenson
News: Giving Your Commercial Tenants a Rent Holiday

The way British society looks has changed quickly in the past week and a half. Following government emergency measures announced on Monday 24th March 2020, all non-essential shops and companies should close including gyms, schools and businesses. This will obviously be a difficult time for many bu...

Finance to convert hotels, guesthouses and B&Bs

Finance to convert hotels, guesthouses and B&Bs

25-March-2020
25-March-2020 0:47
in Development
by Jennifer Stevenson
Finance to convert hotels, guesthouses and B&Bs

Proactive owners of empty and underoccupied holiday accommodation are acting fast to stem their outgoings and transform their properties into profit-generating assets. Conversion and change of use is seen as the fast and achievable solution at a time when sales of hospitality businesses are de...

How To Get A UK Mortgage If You’re A UK National Living In Guernsey

How To Get A UK Mortgage If You’re A UK National Living In Guernsey

24-March-2020
24-March-2020 18:12
in International
by Jennifer Stevenson
How To Get A UK Mortgage If You’re A UK National Living In Guernsey

Your generously flat-rate-taxed income gives you buying-power that can be sadly under-utilised in the very limited property market on the island. Many Medium and Long Term employee residents look to build a property portfolio back on the mainland. With only 1,600 properties available for purchase t...

Can I borrow against a property with no mortgage?

Can I borrow against a property with no mortgage?

24-March-2020
24-March-2020 16:36
in Mortgage
by Jennifer Stevenson
Can I borrow against a property with no mortgage?

Many homeowners are looking to access cash to help get through extraordinary circumstances: loss of employment, business closure, children in difficulty with their home payments… Or they may have the opportunity to do home improvements or build an extension – and they want to get on wi...

How much deposit do I need for a property in London?

How much deposit do I need for a property in London?

24-March-2020
24-March-2020 16:03
in Mortgage
by Admin
How much deposit do I need for a property in London?

The London property market is famed for being expensive and slow; buyers need to have sufficient income and deposit in order to secure a property in this high-demand location. So it’s no surprise that you’ll need a higher income to buy here as property values are higher. Your savings a...

How To Remortgage a Residential Home To A New Lender

How To Remortgage a Residential Home To A New Lender

24-March-2020
24-March-2020 11:53
in Mortgage
by Admin
How To Remortgage a Residential Home To A New Lender

If your fixed term mortgage deal has come to an end, you could remortgage to release some cash. Shopping around mortgage providers will save you thousands.  No-one looks forward to spending hours on the phone to banks or building societies, or comparing the fine-print of mortgage offers. In t...

Spouse visa: how to get a UK mortgage

Spouse visa: how to get a UK mortgage

23-March-2020
23-March-2020 17:21
in International
by Jennifer Stevenson
Spouse visa: how to get a UK mortgage

Are you a foreign national, or is your partner a non-UK-citizen, and you’re looking for a joint (or solo) mortgage in the UK? It is possible – but you’ll need experienced advice and contacts. Or you may, like some of our clients, be hoping to exclude your non-UK citizen partner fr...

NEWS: Exchange rates boost influx of US dollar buyers for UK property

NEWS: Exchange rates boost influx of US dollar buyers for UK property

20-March-2020
20-March-2020 20:01
in International
by Jennifer Stevenson
NEWS: Exchange rates boost influx of US dollar buyers for UK property

Clifton’s foreign-buyer finance specialist reports a recent flurry of interest from US-dollar investors in the British property market. Luther Yeates, Senior Finance Broker at Clifton Private Finance, says a sustained drift in exchange rates over the past fortnight has favoured American buyer...

News: Landlords with Buy To Let Mortgages To Be Protected Via 3 Month Repayment Holiday As Government Sets Out Emergency Restrictions on Evictions Due to Covid-19

News: Landlords with Buy To Let Mortgages To Be Protected Via 3 Month Repayment Holiday As Government Sets Out Emergency Restrictions on Evictions Due to Covid-19

20-March-2020
20-March-2020 14:15
in News
by Admin
News: Landlords with Buy To Let Mortgages To Be Protected Via 3 Month Repayment Holiday As Government Sets Out Emergency Restrictions on Evictions Due to Covid-19

With the majority of Britons socially-isolating, there has been much discussion about what implications this has for tenants and landlords like. Renters who don't work in jobs they can do at home are at risk of quickly falling behind on their rent payments and possibly losing their homes. On March ...

News: Mortgages – BOE Drop Base Rate Again To 0.1 Percent In Shock Cut

News: Mortgages – BOE Drop Base Rate Again To 0.1 Percent In Shock Cut

19-March-2020
19-March-2020 15:38
in Private clients
by Jennifer Stevenson
News: Mortgages – BOE Drop Base Rate Again To 0.1 Percent In Shock Cut

Coronavirus is spreading quickly throughout the world and the effect on our economy is already being seen – with a particular effect on tracker mortgage rates which are currently hitting an all-time low. What's happening? In an unprecedented move the base rate has been cut further to 0.1%. ...

Can I get a mortgage if I don't live in the UK?

Can I get a mortgage if I don't live in the UK?

19-March-2020
19-March-2020 15:25
in International
by Jennifer Stevenson
Can I get a mortgage if I don't live in the UK?

You may be living alongside Singapore’s Buddha Tooth Temple, in Dubai’s Mirdif or Frankfurt’s Nordend, but still want to buy property in the UK. Is it possible to get finance? Yes, indeed. Frustrated overseas mortgage applicants usually come to us after they’ve been rejecte...

NEWS: Coronavirus Moves Property Auctions Online

NEWS: Coronavirus Moves Property Auctions Online

19-March-2020
19-March-2020 11:40
in News
by Admin
NEWS: Coronavirus Moves Property Auctions Online

Are you a developer or investment bargain hunter looking for a hammer-fall property at auction? Worried that the coronavirus pandemic might scupper your plans?  Take heart, and read on: Despite the UK Government banning larger gatherings from 16th March onwards in an attempt to curb the spre...

News: How Could a Mortgage Holiday Work for You?

News: How Could a Mortgage Holiday Work for You?

18-March-2020
18-March-2020 11:25
in News
by Admin
News: How Could a Mortgage Holiday Work for You?

Last week we reported on our new chancellor’s Budget, and this week he is returning to the headlines with property news resulting from the economic strain caused by Coronavirus. What’s happening? In a press conference yesterday (Tuesday 17th March 2020) the newly-minted chancello...

What proof of income do I need to get a mortgage?

What proof of income do I need to get a mortgage?

18-March-2020
18-March-2020 0:40
in Mortgage
by Jennifer Stevenson
What proof of income do I need to get a mortgage?

This ought to be the easy part of a mortgage application. And for UK-based PAYE salary earners (an increasingly rare breed) documenting your earnings is fairly straightforward. But for everyone else, from self-employed and contract workers, to company directors, barristers, expats and seafarers, yo...

News: Budget Announces 2 Percent Increase in Non-UK Buyer Stamp Duty

News: Budget Announces 2 Percent Increase in Non-UK Buyer Stamp Duty

13-March-2020
13-March-2020 13:40
in News
by Admin
News: Budget Announces 2 Percent Increase in Non-UK Buyer Stamp Duty

Wednesday 11th March 2020 saw Rishi Sunak stand at a podium in the House of Commons and give the rundown of the official Government Budget for the coming year. Billed as the Corona Budget, buried in the detail were the significant changes for the housing market: the increase in Stamp duty for non-U...

Latest Mortgage & Short Term Finance Deals

Latest Mortgage & Short Term Finance Deals

12-March-2020
12-March-2020 13:49
in News
by Admin
Latest Mortgage & Short Term Finance Deals

Autumn is here and its not just the leaves that are falling. We have put together some of the deals that we have recently placed and are currently available to our clients as at 12/03/2020.   Large Remortgage (Interest Only) 2 Year Fixed: £500k min remortgage up to £10m 1.19% ...

NEWS: Bank of England Base Rate Drop Creates Cheapest Borrowing for HNW Self-Builds

NEWS: Bank of England Base Rate Drop Creates Cheapest Borrowing for HNW Self-Builds

12-March-2020
12-March-2020 12:17
in Private clients
by Admin
NEWS: Bank of England Base Rate Drop Creates Cheapest Borrowing for HNW Self-Builds

What’s happening? In response to the increasing coronavirus outbreak in the UK, the Bank of England has responded by dramatically cutting their base rate from 0.75% to 0.25% which is considered to be an emergency measure to help support the economy through the financial disruption caused by t...

Applying for retrospective planning permission: is it worth the risk?

Applying for retrospective planning permission: is it worth the risk?

09-March-2020
09-March-2020 18:45
in Development
by Jennifer Stevenson
Applying for retrospective planning permission: is it worth the risk?

In the last three years almost 40,000 applications for retrospective planning permission have been made in the UK. You may have made an honest mistake during building works and only realised afterwards that you needed permission. Or you may have discovered that you can’t sell your house unless...

News: Feb 2020 Data Shows The Boris Bounce Comes Good at 2.3 Percent

News: Feb 2020 Data Shows The Boris Bounce Comes Good at 2.3 Percent

05-March-2020
05-March-2020 10:40
in News
by Admin
News: Feb 2020 Data Shows The Boris Bounce Comes Good at 2.3 Percent

In January, we reported a predicted a 2.3% rise in house prices –  the much-vaunted "Boris Bounce", likely due to the political stability afforded post-December. Now, just over a month later we are seeing this prediction come true. What's the data saying?  Strong information from ...

Bridging Finance: 7 Ways To Win A Property Deal

Bridging Finance: 7 Ways To Win A Property Deal

05-March-2020
05-March-2020 10:17
in Bridging
by Jennifer Stevenson
Bridging Finance: 7 Ways To Win A Property Deal

Don’t wait around for a standard mortgage to come through. Fast, short-term finance is the secret weapon in the pocket of determined property buyers who don’t want to miss out on the unmissable opportunity. 1  Break the mortgage chain  Save the deal when a buyer pulls out at ...

Can I get a holiday let mortgage?

Can I get a holiday let mortgage?

04-March-2020
04-March-2020 10:55
in Mortgage
by Jennifer Stevenson
Can I get a holiday let mortgage?

Why wouldn’t you want to rent out your prime-demand property as a holiday let, and earn in a few weeks what a longer-term tenant would pay over a year? Well, getting mortgage finance has been a bit of a stumbling block: lots of lenders aren’t happy with the dramatic variations in rental...

NEWS: Two-Thirds Remortgage Via Broker in 2019

NEWS: Two-Thirds Remortgage Via Broker in 2019

27-February-2020
27-February-2020 11:38
in News
by Admin
NEWS: Two-Thirds Remortgage Via Broker in 2019

Remortgages rose in 2019 by 4.2% according to a new report from LMS, one of the UK’s leading conveyancing management services - and the majority of these remortages are achieved via a brokering service according to latest data. By going through a broker service you get the benefit of expert...

Mortgages for doctors: finance to suit the medical profession

Mortgages for doctors: finance to suit the medical profession

24-February-2020
24-February-2020 16:48
in Private clients
by Jennifer Stevenson
Mortgages for doctors: finance to suit the medical profession

Significant investment in your career, with training contracts lasting into your mid-30s, diverse career paths and complex earnings… doctors face particular challenges when it comes to applying for mortgages. For NHS employees, doctors, consultants and allied health professionals wanting to ...

News: Top Ten UK Investment Property Hotspots for 2020 For Developers

News: Top Ten UK Investment Property Hotspots for 2020 For Developers

24-February-2020
24-February-2020 10:11
in News
by Admin
News: Top Ten UK Investment Property Hotspots for 2020 For Developers

With spring on the horizon, it’s not just the property market which is set to heat up in the next few months. Tradespeople are also bracing themselves for a busy spring due to expectation of high volumes of work coming from developers snapping up properties in UK hotspots. Hamuch.com, reputa...

Our new low-cost development finance solution: more time – and cash – to finish a build project when other lenders have walked away

Our new low-cost development finance solution: more time – and cash – to finish a build project when other lenders have walked away

22-February-2020
22-February-2020 11:09
in Development
by Jennifer Stevenson
Our new low-cost development finance solution: more time – and cash – to finish a build project when other lenders have walked away

Mind the gap: are you running up against your end-of-funding deadline? Do you just need a few more weeks (or, realistically, a few more months) to get your project finished and sold – or refinanced onto a mortgage? But your current lender won’t extend your term… Welcome to the c...

News: Strong Market Predictions for Student Landlords in 2020

News: Strong Market Predictions for Student Landlords in 2020

21-February-2020
21-February-2020 9:12
in News
by Admin
News: Strong Market Predictions for Student Landlords in 2020

The student market for rental landlords continues to be a promising sector. Year after year new students arrive, fresh faced and with cars full of IKEA duvets and Tesco pans, ready to begin the years-long uphill climb towards their degrees. In key University cities all over the country, there is c...

NEWS: New Homes To Be 30 Percent Cheaper For Local First Time Buyers

NEWS: New Homes To Be 30 Percent Cheaper For Local First Time Buyers

14-February-2020
14-February-2020 11:54
in Mortgage
by Admin
NEWS: New Homes To Be 30 Percent Cheaper For Local First Time Buyers

The UK Government is launching a new scheme designed to give first time buyers a leg up onto the property ladder by offering a considerable discount. The “First Homes Scheme” is a new initiative for 2020 which, if successful, could be a huge help for first time buyers who are currently ...

How to get a joint mortgage with a non-UK national partner or spouse

How to get a joint mortgage with a non-UK national partner or spouse

13-February-2020
13-February-2020 21:13
in International
by Jennifer Stevenson
How to get a joint mortgage with a non-UK national partner or spouse

Couples where one partner is not a UK national are often keen to settle in and establish a home in Britain. But getting property finance can be a challenge. We have a strong track record in matching international clients with the lending they need. What are the issues for mixed-nationality couples ...

NEWS: Commercial Property Boom Forecast in 2020

NEWS: Commercial Property Boom Forecast in 2020

12-February-2020
12-February-2020 16:20
in News
by Admin
NEWS: Commercial Property Boom Forecast in 2020

A newly published study from financial specialist Together has predicted that 2020 will be the start of a two-year boom for the commercial property market.   Andrew Charley, head of corporate relationships at Together, underlined the growing confidence in business behind this prediction, ...

How to Get A Foreign National UK Mortgage

How to Get A Foreign National UK Mortgage

11-February-2020
11-February-2020 9:29
in International
by Admin
How to Get A Foreign National UK Mortgage

International investors buying a desirable home in London, or a high-yield rental property in regional UK, face a few more challenges than buyers who are British nationals.  An acceptable source currency for your mortgage payments, evidence of the source of your finance, and an estab...

News: Top 5 Property Hotspots for 2020 London Landlords

News: Top 5 Property Hotspots for 2020 London Landlords

06-February-2020
06-February-2020 12:37
in News
by Admin
News: Top 5 Property Hotspots for 2020 London Landlords

London property agents have reported that 2020 has kicked off to an excellent start. Activity in the property market has been busier than usual, as we reported earlier in the year in our news blog. Speaking specifically about the London market, experts are noticing a promising upward trend.   ...

UK Expat? How To Get an 80 percent LTV Buy To Let Mortgage for a UK Property

UK Expat? How To Get an 80 percent LTV Buy To Let Mortgage for a UK Property

05-February-2020
05-February-2020 17:10
in Private clients
by Jennifer Stevenson
UK Expat? How To Get an 80 percent LTV Buy To Let Mortgage for a UK Property

You’re brunching poolside in Abu Dhabi or Singapore and thinking: it can’t be too soon to start investing my no-tax (or low-tax) dirhams (or dollars) in property back home. You may already have your eye on an apartment with strong tenant-appeal in Manchester’s Mayfield, or Bi...

News: Reported Delays in Home Selling, and How Bridging Loans Can Help

News: Reported Delays in Home Selling, and How Bridging Loans Can Help

05-February-2020
05-February-2020 16:56
in News
by Admin
News: Reported Delays in Home Selling, and How Bridging Loans Can Help

Are you expecting it to take eight and half months for your house to sell? That's the alarming prospect raised by a new study of house sale completion times. Moving house is recognised to be one of the most stressful life events we have to cope. Not least for homeowners waiting for the sale of the...

News: Upswing in Auction Property Buying in 2019 for Developers

News: Upswing in Auction Property Buying in 2019 for Developers

29-January-2020
29-January-2020 17:00
in News
by Admin
News: Upswing in Auction Property Buying in 2019 for Developers

It appears more and more Britons are feeling inspired by Homes Under the Hammer, as Auction House are reporting good numbers for their 2019 sales. Their director confidently projects that this will continue into 2020, which is excellent news for developers or prospective developers looking to expan...

Mixed Use Property? How To Get A Mortgage

Mixed Use Property? How To Get A Mortgage

28-January-2020
28-January-2020 19:32
in Commercial
by Jennifer Stevenson
Mixed Use Property? How To Get A Mortgage

Are you considering buying a shop or office premises with a flat above? Or a one-time pub with landlord’s accommodation? You’ll be needing a different type of mortgage finance. Most property owners who are thinking of venturing into property investment for the first time (to generate a ...

NEWS: Top 3 Postcodes for Buy-To-Let in Wales

NEWS: Top 3 Postcodes for Buy-To-Let in Wales

27-January-2020
27-January-2020 14:35
in News
by Admin
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 November 2019, house prices in Wales had risen 7.8% higher compared to 2018. Knight Frank Research forecasts that between 2019-2024, the cumulative UK rental growth in ...

What Is Commercial Property Finance? How Much Can You Borrow?

What Is Commercial Property Finance? How Much Can You Borrow?

23-January-2020
23-January-2020 18:52
in Commercial
by Jennifer Stevenson
What Is Commercial Property Finance? How Much Can You Borrow?

Debt-free is good. But business success requires access to finance so you can seize opportunities, or stay ahead of the market. What is commercial finance? Commercial loan terms can apply to borrowing by individuals or a company to buy commercial premises, or borrowing by businesses. Cautious bus...

NEWS: A Sharp Upturn in London Property Buyer Enquiries

NEWS: A Sharp Upturn in London Property Buyer Enquiries

23-January-2020
23-January-2020 14:47
in News
by Admin
NEWS: A Sharp Upturn in London Property Buyer Enquiries

The housing market competition in London is heating up in 2020.  Knight Frank are reporting that the registration of buyers interested in London properties saw a sharp spike in the second week in January 2020. January normally sees an increase, this is an unprecedented rise, being 92% higher ...

HMO Mortgages – How To Finance An HMO Property

HMO Mortgages – How To Finance An HMO Property

22-January-2020
22-January-2020 19:04
in Mortgage
by Jennifer Stevenson
HMO Mortgages – How To Finance An HMO Property

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 paid off a mortgage you could now be looking to reinvest in property. Or perhaps success with residential investment or buy-to-lets (BTL) has prompted ...

Bridging Loans: How Much Can I Borrow?

Bridging Loans: How Much Can I Borrow?

22-January-2020
22-January-2020 9:58
in Bridging
by Admin
Bridging Loans: How Much Can I Borrow?

Do you need a short-term finance solution to inject cash quickly without the waiting time of traditional longer-term borrowing? Wondering how much you would be eligible to borrow?   Short-term finance such as bridging loans can be a very helpful form of finance for the right borrower, dependi...

NEWS: a 2.3 percent Boris Bounce for property developers?

NEWS: a 2.3 percent Boris Bounce for property developers?

21-January-2020
21-January-2020 11:21
in News
by Admin
NEWS: a 2.3 percent Boris Bounce for property developers?

The start of 2020 has kicked off with a noticeable Boris Bounce in the housing market, with the Times reporting that house prices have risen 2.3% rise since polling day in December. Is this a blip, or a new direction of travel for the market?    This was predicted by industry experts imm...

Aged 70 Plus? How To Get A Mortgage

Aged 70 Plus? How To Get A Mortgage

14-January-2020
14-January-2020 15:17
in Mortgage
by Jennifer Stevenson
Aged 70 Plus? How To Get A Mortgage

Taking on a new mortgage at the age of 75 (or 78, or 80…) might not be how you thought property ownership would look when you first bought a home 30 years ago or more. But for most people retirement doesn’t look anything like it did 30, or even 20, years ago: We have many more...

Bridging loans: how do they work?

Bridging loans: how do they work?

09-January-2020
09-January-2020 17:34
in Bridging
by Admin
Bridging loans: how do they work?

Bridging loans are a very useful form of finance for people looking for a short-term loan. They can be really useful for someone looking to "bridge the gap" during a financial transaction. Here at Clifton Private Finance, we specialise in the procurement of bridging loans for borrowers who want to b...

How to remortgage a buy to let portfolio

How to remortgage a buy to let portfolio

09-January-2020
09-January-2020 11:00
in Mortgage
by Jennifer Stevenson
How to remortgage a buy to let portfolio

Changes to tax and regulations mean that landlords’ finance needs to work harder for them to ensure the profitability of their rental property holdings. Good returns aren’t only available to those who "stay small". But the new financial landscape does mean that investment property owner...

How To Get A Property Development Bridging Loan

How To Get A Property Development Bridging Loan

03-January-2020
03-January-2020 17:37
in Development
by Jennifer Stevenson
How To Get A Property Development Bridging Loan

There are various short-term finance options which could suit your development project. But most of them aren’t available from high street banks, and you won’t find them on price comparison websites. Site availability, good design, a dependable building team with strong projec...

How to get a UK expat mortgage

How to get a UK expat mortgage

02-January-2020
02-January-2020 16:17
in International
by Jennifer Stevenson
How to get a UK expat mortgage

You're a British citizen currently living and working outside the UK, and earning in a non-sterling currency. But you want to buy property here and take advantage of the exchange rate on the pound, record-low UK interest rates, and good-value property prices.  You have long-standing ...

How to get AirBnB buy to let mortgage finance

How to get AirBnB buy to let mortgage finance

29-December-2019
29-December-2019 13:14
in Mortgage
by Jennifer Stevenson
How to get AirBnB buy to let mortgage finance

With UK rental returns shrinking for the first time in five years, BTL landlords are looking at Airbnb-style short-term lets for higher yields. Current Zoopla data shows that the average monthly rent for a one-bedroom flat in London is £1,618, while the same property can earn the same return ...

Online bridging loan calculator: how to get the best short-term finance deal

Online bridging loan calculator: how to get the best short-term finance deal

17-December-2019
17-December-2019 12:13
in Bridging
by Jennifer Stevenson
Online bridging loan calculator: how to get the best short-term finance deal

A bridging loan is now a mainstream form of property finance. The key question is: what are the fees and charges involved, and how much will it cost you? Our online bridging calculator, below, will give you an instantaneous answer, so you can decide if this is a finance option you want to follow up...

Get a bridging loan to buy and renovate a property to sell

Get a bridging loan to buy and renovate a property to sell

12-December-2019
12-December-2019 19:25
in Bridging
by Jennifer Stevenson
Get a bridging loan to buy and renovate a property to sell

Purchasing and developing a property with a view to selling it on can provide healthy returns: if you have affordable finance, buy at the right price, and manage your refurbishment costs carefully. If you don’t have a significant private funds at your disposal and you’ve found...

UK mortgages for South African residents: expats and SA nationals

UK mortgages for South African residents: expats and SA nationals

05-December-2019
05-December-2019 11:03
in International
by Jennifer Stevenson
UK mortgages for South African residents: expats and SA nationals

We can set up property finance for expat British nationals working in South Africa, as well as Britons and South Africans working for SA corporations in the UK and paid in rand, and South African nationals not resident in the UK. The stability and profitability of the British property market has be...

UK mortgages for UK expats in Saudi Arabia, and Saudi nationals

UK mortgages for UK expats in Saudi Arabia, and Saudi nationals

02-December-2019
02-December-2019 18:40
in International
by Jennifer Stevenson
UK mortgages for UK expats in Saudi Arabia, and Saudi nationals

We’re experienced in arranging finance for UK property purchases for British nationals living in Saudi Arabia, and any buyers with income in riyals. Are you: A UK national / British citizen fulltime resident and working in  Saudi Arabia and looking for expat finance A UK nation...

British expat? Yes, we can get you a UK mortgage

British expat? Yes, we can get you a UK mortgage

29-November-2019
29-November-2019 9:40
in International
by Jennifer Stevenson
British expat? Yes, we can get you a UK mortgage

The work-hard play-hard expat lifestyle is hard to beat. But you probably want to put your earning-power to work in the property market. And your dollars and dirham will go much further in the UK than in most expat relocation hotspots. Whether you're looking for a straight-up investm...

Property development project behind schedule? How to refinance to avoid penalty rates

Property development project behind schedule? How to refinance to avoid penalty rates

28-November-2019
28-November-2019 16:37
in Development
by Jennifer Stevenson
Property development project behind schedule? How to refinance to avoid penalty rates

Good planning and rigorous project management can’t insure against a month of torrential rain, or a key supplier failing to deliver. A third of the UK construction industry professionals surveyed by Cornerstone Projects in 2017 reported delays costing up to 10% of project costs. More t...

Moving To Germany? Use A Bridging Loan To Fund Your Home Purchase Quickly

Moving To Germany? Use A Bridging Loan To Fund Your Home Purchase Quickly

28-November-2019
28-November-2019 9:40
in International
by Admin
Moving To Germany? Use A Bridging Loan To Fund Your Home Purchase Quickly

If you’re relocating to Europe you need to be able to complete a purchase quickly to secure your new home. Waiting for your UK property to sell involves rental, storage and double-removal costs, and makes the whole process more stressful and uncertain. Congratulations on joining the 100,000+ ...

Getting a UK mortgage as a British expat: what are my chances?

Getting a UK mortgage as a British expat: what are my chances?

28-November-2019
28-November-2019 9:39
in International
by Jennifer Stevenson
Getting a UK mortgage as a British expat: what are my chances?

When you were in the UK, lenders were tripping over themselves to offer you a mortgage to buy your home. But now you’re living and working overseas (with a higher salary, and a living allowance – thanks!), and you want to remortgage that house. Or you want to buy somewhere in the U...

How To Get A Renovation Mortgage

How To Get A Renovation Mortgage

27-November-2019
27-November-2019 9:39
in Mortgage
by Jennifer Stevenson
How To Get A Renovation Mortgage

Home owners and developers should choose the finance for their renovation projects as carefully as they choose the design, their builder, the materials, fixtures and finishes. A finance package that’s too expensive or inflexible will be a frustrating constraint upon your plans, and can have ...

How To Get A UK Mortgage For British Expats Living In Dubai

How To Get A UK Mortgage For British Expats Living In Dubai

26-November-2019
26-November-2019 9:39
in International
by Jennifer Stevenson
How To Get A UK Mortgage For British Expats Living In Dubai

The sterling buying-power of the dirham combined with a national housing shortage in the UK: the British property market is a natural choice for expats living and working in Dubai who want to lock away some capital and possibly earn rental income. 3 common reasons why people buy UK property while ...

How To Get A Large Mortgage Loan

How To Get A Large Mortgage Loan

25-November-2019
25-November-2019 9:38
in Private clients
by Jennifer Stevenson
How To Get A Large Mortgage Loan

At the beginning of 2018, almost 3 per cent of the UK’s housing stock came with a price tag of more than a million pounds. Homes and rental properties priced at more than a million pounds used to be described as "luxury". But by 2015, 75,000 new "property millionaires" had been created by pric...

Looking for property finance on the Cote d'Azur? How to access mortgage and short-term development funding

Looking for property finance on the Cote d'Azur? How to access mortgage and short-term development funding

24-November-2019
24-November-2019 9:38
in International
by Jennifer Stevenson
Looking for property finance on the Cote d'Azur? How to access mortgage and short-term development funding

Owning property on the Côte d'Azur, or the French Riviera (as it’s known to the English) buys a share in the most famous address in the world. From Saint-Tropez to Cannes, Juan-Les-Pins, Antibes, Nice, Cap-Ferrat and Monte Carlo, these are the most desirable villas and apartments it's po...

How To Remortgage Your London Home To A New Lender

How To Remortgage Your London Home To A New Lender

23-November-2019
23-November-2019 9:37
in Mortgage
by Admin
How To Remortgage Your London Home To A New Lender

The current talk is all of a hike in interest rates. Isn’t it always? Just as we find it hard to enjoy good weather without gloomily forecasting rain, our current tropical holiday of super-low mortgage rates is blighted only by speculation about a rate rise when the Bank of England next meets,...

How To Get A Construction Loan If You Are A First Time Developer

How To Get A Construction Loan If You Are A First Time Developer

22-November-2019
22-November-2019 9:37
in Development
by Admin
How To Get A Construction Loan If You Are A First Time Developer

Finance companies exist to lend money to individuals and companies with a view to making the best return possible over the shortest space of time, at the least possible risk. It's their raison d'être. You, likewise, have got a terrific development opportunity that offers a really attracti...

Buying A Home In London - How To Use A Bridging Loan To Beat The Competition

Buying A Home In London - How To Use A Bridging Loan To Beat The Competition

21-November-2019
21-November-2019 9:36
in Bridging
by Admin
Buying A Home In London - How To Use A Bridging Loan To Beat The Competition

Competition for house buying in London is cutthroat - even at prices well above the national average. To give themselves the best chance, homebuyers and investors are making use of bridging loans more than ever before. Competition in London is fierce for property London is the plane...

Living in Switzerland?  5 ways we’ll help you with your UK mortgage finance

Living in Switzerland? 5 ways we’ll help you with your UK mortgage finance

20-November-2019
20-November-2019 11:00
in International
by Jennifer Stevenson
Living in Switzerland?  5 ways we’ll help you with your UK mortgage finance

Don’t pay a penalty because you’re trying to organise a mortgage from Zurich or Geneva. We can arrange the best expat mortgage deals – quickly. Are you: Fulltime resident and working in Switzerland and looking for expat finance Working in Switzerland, part-time resident in the...

Living In Singapore? 4 Ways A UK Expat Can Get A UK Mortgage

Living In Singapore? 4 Ways A UK Expat Can Get A UK Mortgage

20-November-2019
20-November-2019 0:00
in International
by Admin
Living In Singapore? 4 Ways A UK Expat Can Get A UK Mortgage

Singapore, Hong Kong, Tokyo – regardless of where you are in Asia right now, if you’re a UK ex-pat and living or working there then investing in UK property will for many be an attractive proposition. Why? Well since the Brexit vote and sterling slumped against the UD dollar, Asian curr...

Mortgages For Multi-Unit Properties

Mortgages For Multi-Unit Properties

18-November-2019
18-November-2019 12:07
in Mortgage
by Jennifer Stevenson
Mortgages For Multi-Unit Properties

You've got the chance to buy a residential building as a rental property. Do you renovate and let it as one big house-share, or divide it into separate flats? And what are your finance options? The buy-to-let (BTL) property finance industry does love initialisms, so we'll deal with the...

Finance for your barn conversion Q&A: Class Q and full planning

Finance for your barn conversion Q&A: Class Q and full planning

14-November-2019
14-November-2019 17:28
in Development
by Jennifer Stevenson
Finance for your barn conversion Q&A: Class Q and full planning

The words barn conversion are now real estate shorthand for "wow-factor" homes in highly desirable rural locations. Imaginative design, big rural views, a combination of heritage structure with modern building aesthetics: open-plan, double-height ceilings, big windows, exposed building features. ...

How To Get Development Finance To Develop Property In London

How To Get Development Finance To Develop Property In London

14-November-2019
14-November-2019 17:25
in Development
by Jennifer Stevenson
How To Get Development Finance To Develop Property In London

London is still a city of cranes, scaffolding and builders' skips. The capital’s insatiable demand for housing and new forms of commercial property is fuelling a wide variety of ground-up building projects, and entrepreneurial redevelopment of everything from office blocks and churches to...

UK expat living in Portugal? 4 ways we help with a UK mortgage

UK expat living in Portugal? 4 ways we help with a UK mortgage

14-November-2019
14-November-2019 17:24
in International
by Jennifer Stevenson
UK expat living in Portugal? 4 ways we help with a UK mortgage

Don’t pay a penalty because you’re trying to organise a mortgage from Lisbon or Faro. We can arrange the best expat mortgage deals – quickly. You know you’re in good company: more than 49,000 Britons have relocated for Portugal’s cost of living and quality of life. Bu...

Bridging loan FAQs

Bridging loan FAQs

14-November-2019
14-November-2019 17:23
in Bridging
by Jennifer Stevenson
Bridging loan FAQs

Can you get one, how much will it cost, how can you repay it…  8 key questions in our quick guide to short-term property finance. 1. What is a bridging loan? This is a type of short term property finance used to "bridge" a temporary gap in funding: to allow pro...

Equity release: how to get money out of your home in retirement

Equity release: how to get money out of your home in retirement

04-November-2019
04-November-2019 16:16
in Mortgage
by Jennifer Stevenson
Equity release: how to get money out of your home in retirement

Homeowners in their 50s and 60s are realising that the cash locked up in the value of their homes is a valuable asset that they need to access now. The idea of "leaving it all to the children" doesn’t have much relevance for today’s "property rich, cash poor" mature homeowners. It's di...

What is top slicing in buy to let mortgage borrowing?

What is top slicing in buy to let mortgage borrowing?

02-November-2019
02-November-2019 16:59
in Mortgage
by Jennifer Stevenson
What is top slicing in buy to let mortgage borrowing?

And how can it help your application for a mortgage to buy a rental property? The origin of the term is lost in the mists of time (or charcuterie), but in financial terms it refers to the use of part of a budget to fund another function. In buy to let mortgage calculations many lenders are now all...

Living in Luxembourg? 5 ways we’ll help you with your UK mortgage finance

Living in Luxembourg? 5 ways we’ll help you with your UK mortgage finance

01-November-2019
01-November-2019 20:34
in International
by Jennifer Stevenson
Living in Luxembourg? 5 ways we’ll help you with your UK mortgage finance

Don’t pay a penalty because you’re trying to organise a mortgage from Luxembourg. We can arrange the best expat mortgage deals – quickly. Are you: Fulltime resident and working in Luxembourg and looking for expat finance Working in Luxembourg, part-time resident...

Finance for overseas London property buyers: 4 reasons why now is the time to buy. And the 3 essential ways we can help

Finance for overseas London property buyers: 4 reasons why now is the time to buy. And the 3 essential ways we can help

30-October-2019
30-October-2019 11:46
in International
by Jennifer Stevenson
Finance for overseas London property buyers: 4 reasons why now is the time to buy. And the 3 essential ways we can help

Non-UK citizens are permitted to own property in the UK. In fact they’re welcomed as major contributors to the resurgence of London’s prestige property market. This is in contrast to Australia, for example, where non-residents must get pre-approval from the country’s Foreign Inves...

How to get a second charge mortgage on a buy to let property to raise capital

How to get a second charge mortgage on a buy to let property to raise capital

26-October-2019
26-October-2019 16:46
in Mortgage
by Jennifer Stevenson
How to get a second charge mortgage on a buy to let property to raise capital

A recent poll of UK property investors by MT Finance revealed that 80% plan to expand their property portfolios in 2019 - despite a background of Brexit uncertainty and tax-changes squeezing affordability. None of the landlords surveyed said that they planned to reduce their exposure in the UK prop...

UK property owned by an offshore company: we’ll find the mortgage finance you need

UK property owned by an offshore company: we’ll find the mortgage finance you need

25-October-2019
25-October-2019 19:05
in International
by Jennifer Stevenson
UK property owned by an offshore company: we’ll find the mortgage finance you need

Many of our HNW clients use non-UK registered companies, offshore trusts and LLPs as holding vehicles for their UK properties.  Their reasons are as varied – and private – as their personal financial circumstances. They are non-dom and "deemed UK domicile" as well as British reside...

How Long Is A Bridging Loan For?

How Long Is A Bridging Loan For?

25-October-2019
25-October-2019 19:03
in Bridging
by Jennifer Stevenson
How Long Is A Bridging Loan For?

For as long as you need it, and as short a time as possible. This is an expensive form of borrowing which is extremely useful for its intended purposes. It can be arranged quickly and used to plug a property financing gap. But you don’t want to be paying the interest rates for longer tha...

Bridging loans for UK expats

Bridging loans for UK expats

25-October-2019
25-October-2019 18:54
in International
by Jennifer Stevenson
Bridging loans for UK expats

Bridge finance is an extremely useful form of borrowing. Is it available to Britons living overseas? Yes. And we can find you the deals to suit your circumstances.  What do you need short-term finance for? The great advantage of bridging finance, compared with long-term mortgage finance, is t...

Can I Get A Bridging Loan To Pay Inheritance Tax?

Can I Get A Bridging Loan To Pay Inheritance Tax?

24-October-2019
24-October-2019 16:05
in Bridging
by Jennifer Stevenson
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...

UK Mortgages For Expats In Monaco

UK Mortgages For Expats In Monaco

20-October-2019
20-October-2019 18:49
in International
by Jennifer Stevenson
UK Mortgages For Expats In Monaco

Even non-doms want to sleep in their own beds when they do their Christmas shopping in London. And hard-working expats further down the payscale in the principality want to invest their tax-free Euros in a profitable buy-to-let, or a future home back in Britain which comes with a bit more of a back ...

How To Get A Bridging Loan To Purchase A New House

How To Get A Bridging Loan To Purchase A New House

18-October-2019
18-October-2019 18:48
in Bridging
by Jennifer Stevenson
How To Get A Bridging Loan To Purchase A New House

How can a bridging loan help me? A bridge loan is a type of short term finance that can be used to temporarily "bridge" the gap between the sale and purchase of properties. When time is tight, and a vendor is pressing for exchange, a bridging loan provides a solution more quickly than a p...

Living in the Bahamas? 5 ways we’ll help you with your UK mortgage finance

Living in the Bahamas? 5 ways we’ll help you with your UK mortgage finance

17-October-2019
17-October-2019 20:37
in International
by Jennifer Stevenson
Living in the Bahamas? 5 ways we’ll help you with your UK mortgage finance

Don’t pay a penalty because you’re trying to organise a mortgage from Freeport or Nassau. We can arrange the best expat mortgage deals – quickly. Are you: Fulltime resident and working in  the Bahamas  and looking for expat finance Working in  the Bahamas, part-...

How to get finance to buy an Uninhabitable property

How to get finance to buy an Uninhabitable property

17-October-2019
17-October-2019 20:37
in Bridging
by Jennifer Stevenson
How to get finance to buy an Uninhabitable property

It’s the bargain of the century: the 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 here’s the catch: the reason that scores of other buyers haven’t beaten you to the sale is that ...

How to get a professional mortgage

How to get a professional mortgage

17-October-2019
17-October-2019 14:49
in Private clients
by Jennifer Stevenson
How to get a professional mortgage

Your hard-won qualifications and structured career path can win you 8 money-saving advantages when you’re looking for property finance. Doctors, architects, teachers, pilots… you’ve been sitting exams while your peers have been down the pub. Is there a payoff in terms of mortga...

How To Get A Bridging Loan In Scotland

How To Get A Bridging Loan In Scotland

15-October-2019
15-October-2019 18:49
in Bridging
by Jennifer Stevenson
How To Get A Bridging Loan In Scotland

Peak Scottish house prices reported by the Your Move house price index in November 2018 put house price growth in England, Wales & Northern Ireland into the shade. For homebuyers and investors looking for property opportunities it may be possible to drive a harder bargain&nbs...

How To Get A Barrister Mortgage

How To Get A Barrister Mortgage

15-October-2019
15-October-2019 18:48
in Private clients
by Jennifer Stevenson
How To Get A Barrister Mortgage

Independent barristers present a challenge to mortgage lenders. As a highly qualified professional with excellent income growth potential you’re a borrower they’d like to finance. But as a self-employed practitioner with highly variable monthly income and substantial practice costs, it&...

Secured loan for home improvements using equity in your house

Secured loan for home improvements using equity in your house

15-October-2019
15-October-2019 18:47
in Mortgage
by Jennifer Stevenson
Secured loan for home improvements using equity in your house

Homeowners can access funding to pay for value-adding home improvements and renovations (or a variety of other purposes) by using the value locked away in their home as security. This can be a flexible and quickly-arranged source of funding for those who can manage the additional borrowing costs. ...

Bridging Loan To Buy A House - Example Of How It Works

Bridging Loan To Buy A House - Example Of How It Works

14-October-2019
14-October-2019 16:45
in Bridging
by Jennifer Stevenson
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, bridging finance is now a mainstream form of finance that a wide range of borrowers find is fast, flexible and can help them make an important purchase.  Buying a house with a bridging loan   When time is of the...

Can I get a mortgage for 5 or 6 times my salary?

Can I get a mortgage for 5 or 6 times my salary?

14-October-2019
14-October-2019 15:12
in Mortgage
by Jennifer Stevenson
Can I get a mortgage for 5 or 6 times my salary?

There ARE "5x, 5.5x and even 6x 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 the borrowing potential of their salaries, in order to get a toe-hold on the propert...

How to get a fast second charge mortgage

How to get a fast second charge mortgage

12-October-2019
12-October-2019 18:52
in Mortgage
by Jennifer Stevenson
How to get a fast second charge mortgage

You can access the equity in property you own – your home, a holiday property, a rental property or commercial premises – to raise money for a wide variety of purposes. And this kind of finance can be arranged in a matter of days. How second charge finance can be useful to you A secon...

How To Get A Residential Mortgage On A UK Property If You Are An Expat Or Foreign National

How To Get A Residential Mortgage On A UK Property If You Are An Expat Or Foreign National

10-October-2019
10-October-2019 16:45
in International
by Admin
How To Get A Residential Mortgage On A UK Property If You Are An Expat Or Foreign National

If you're living and working abroad, there may be a number of reasons why you may be looking for finance for a property in the UK For UK Expats - A high percentage of expats retain property in the UK for residential purposes. Family members who are left in the UK need somewhere to live, and ...

Bridging loan interest rates drop to lowest levels as lending rises

Bridging loan interest rates drop to lowest levels as lending rises

10-October-2019
10-October-2019 16:44
in News
by Jennifer Stevenson
Bridging loan interest rates drop to lowest levels as lending rises

Bridging finance is now cheaper than it’s been for the past four years, and the biggest growth in borrowers has been amongst those getting finance secured against their own home, or to finance a future home. Bridging loan interest rates fell to their lowest levels in four years at the beginn...

How does property development finance work

How does property development finance work

10-October-2019
10-October-2019 16:43
in Development
by Jennifer Stevenson
How does property development finance work

Property developers need finance tailored to the requirements of purchasing a building site and paying for ongoing building works. Funds must be swiftly available when needed, but not sitting unused in the bank, accumulating interest charges before materials need to be purchased or wages paid. It&...

Non-residents buying homes in the UK could be hit with 1 per cent increase in stamp duty

Non-residents buying homes in the UK could be hit with 1 per cent increase in stamp duty

10-October-2019
10-October-2019 16:43
in News
by Jennifer Stevenson
Non-residents buying homes in the UK could be hit with 1 per cent increase in stamp duty

Estate agents are advising British expat and foreign buyers to brace themselves for possible increases of 1% on top of the Stamp Duty Land Tax (SDLT) rates for UK residential purchases. A consultation by the UK government on whether to increase the stamp duty payable by non-UK-residents buying resi...