July, 2017

How does the affordability calculation work for a buy to let mortgage today?

How does the affordability calculation work for a buy to let mortgage today?

Golden rule – assume £155,850 of lending per £1,000 pcm of rent. A few years ago it was very easy to explain affordability to the buy to let investor. Lenders would typically lend directly against the rental income by seeing how that rental income compared with the potential mortgage payment. If the rental income exceeded […]

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Mortgages for over 50’s

Mortgages for over 50’s

In recent years we are presented with more and more over 50’s mortgage borrowers looking for assistance. Borrowers born in the 1950s, the 1960s, and now even the early 1970s, are increasingly concerned about their mortgage options and the limited mortgage terms being offered to them. Why can mortgages for over 50’s be a problem? […]

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