2015

Re-mortgage trap sprung

Re-mortgage trap sprung

Help is now available to ‘mortgage prisoners’ who cannot prove sufficient income to swop mortgage lenders Are you stuck on an expensive standard variable rate or with a lender who is not looking after you because mortgage underwriting rules have tightened? The solution There is now a solution that can allow you to swop to […]

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NatWest lowers mortgage affordability calculation caps

NatWest lowers mortgage affordability calculation caps

NatWest Mortgage affordability to reduce Mortgage affordability is generally assessed across three factors by Lenders in the current market. 1. General affordability This is an assessment of how net income fits with expected outgoings. Each lender calculates this in their own way with different rating to various expenditure elements such as family size, existing debt, […]

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Bye Bye Help to Buy

Bye Bye Help to Buy

Help to Buy replacement mortgage products on the way The Government’s Help to Buy assisted purchase program has proved a success since its introduction in 2014. Both the help to buy mortgage guarantee scheme and the equity loan scheme have helped a number of buyers get into the market and others move up through the […]

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Sudden interest in Interest Only Mortgages

Sudden interest in Interest Only Mortgages

Nat West Mortgages turn back to interest only After three years where lenders appetite for Interest Only lending on residential mortgages has reduced to practically zero, we were surprised to see a major lender announce today that they are broadening their offer to once again include Interest Only applications. From 21st of September 2015, Nat […]

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Help to Buy Equity Loan Scheme Guide

Help to Buy Equity Loan Scheme Guide

Read, Download, Share, the Government’s Buyers Guide to the Help to Buy Equity Loan Scheme

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Mortgage and Protection News Autumn 2015

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Our terms of business

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BTLCALC- APP – Free Buy to Let Smartphone application

BTLCALC- APP – Free Buy to Let Smartphone application

Our buy to let calculator app is available on both IOS and Android and allows you to calculate maximum lending and lending costs for any residential buy to let property. Download BTLCalc App here How it works Simply enter your intended purchase price and rental income and the data you need is at your fingertips […]

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Stamp duty land tax and transfer of equity

Stamp duty land tax and transfer of equity

Do you need to pay SDLT on Transfer Stamp duty land tax on a purchase is a known cost for most property buyers. However, what many struggle to understand are the stamp duty land tax implications when all or part of the value of a property is transferred to them. For example, is there tax […]

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Mortgages for university accommodation

Mortgages for university accommodation

Buy University Accommodation Your son or daughter is due to start University and will be moving away from home. You have seen some of the accommodation available and don’t like the look of, or the price of, what you have seen. You therefore feel it makes more sense to use some of the capital you […]

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