Mortgages – how much can I borrow?

Mortgages – how much can I borrow?

How much can I borrow from a mortgage lender? Perhaps the most common question asked by potential mortgage borrowers, and yet in many ways the trickiest one to answer. Pick the wrong mortgage lender and you may be offered maximum mortgage lending over 20% lower than a total figure available to you. Pick an unsuitable mortgage […]

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Mortgages for older borrowers

Mortgages for older borrowers

Can I get a mortgage as an older borrower? Yes you can, up to age 105* To age 65 is no problem for all lenders To age 70 is acceptable for many lenders To age 75 is managed by a few lenders To age 85 has started to become available to the market To age […]

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Understanding your ESIS Mortgage Illustration

Understanding your ESIS Mortgage Illustration

New EU ESIS mortgage illustration document – how to find what you need Confused by the new EU ESIS mortgage illustration document which replaced the old style document for many mortgage lenders earlier this year? Can’t find the key information you need? We are not surprised, the layout is a new ESIS document bears little […]

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TMW online | Help for existing buy to let customers of The Mortgage Works

TMW online | Help for existing buy to let customers of The Mortgage Works

The Mortgage Works borrowers can no longer deal direct You will have noticed that TMW have changed their customer facing website and no longer provide direct BTL mortgage services unless you are simply switching to a new deal. Therefore if you require a TMW further advance, or new buy to let mortgage from The Mortgage […]

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Protecting your business

Protecting your business

What to consider Your input is integral to your business. Perhaps it is you who is the main revenue earner within the business. Perhaps you generate sales for the business. Or is it your organisational skills that keeps the profit rolling in. Whatever the situation, if you are not available on Monday morning profits will […]

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Protecting your family

Protecting your family

What to consider In the event of your death you are no longer supporting your family, unless you make provision to do so now. Loss of the main, or supporting income to the family home will make a dramatic difference to the lifestyle of the family. This will have to be managed in addition to […]

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Protecting your home

Protecting your home

What to consider What you want to happen to your home in the event of your death? Do you have family or dependents who share the home with you? If so, are they in a position to continue to pay the mortgage without you and without your income. If not you need to put mortgage […]

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Barclays 100% Springboard Mortgage

Barclays 100% Springboard Mortgage

100% mortgages are back for first time buyers On Wednesday 4th May 2016 Barclays extended it’s Springboard Family Assistance mortgage to allow first time buyers to purchase without putting a cash deposit into the property. Instead the deposit is ‘covered’ by family or friends leaving funds of 10% of the purchase price on deposit with Barclays […]

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How can you currently own a buy to let and not pay Higher Stamp Duty Land Tax?

How can you currently own a buy to let and not pay Higher Stamp Duty Land Tax?

Higher Stamp Duty Land Tax – the scenario One of our clients, Mr R, owns a single property that is currently let. Mr R. will not be selling the existing property when he purchases a new home. This makes the new purchase subject to £10,500 in Higher Stamp Duty Land Tax (an extra 3% on […]

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SA302s and Tax Year Overviews | downloading from the HMRC website

SA302s and Tax Year Overviews | downloading from the HMRC website

Most Lenders now accept copies of SA302 tax returns and tax year overview downloaded from HMRC Gateway online tax return submission service. However, we find that our clients frequently have trouble navigating the HMRC website and obtaining copies of the required documents in the required format. This guide is designed to make it simple to […]

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