SA302’s are not necessary for mortgage applications – avoid the aggravation

SA302’s are not necessary for mortgage applications – avoid the aggravation

Obtaining SA302s is painful yet not necessary Over the past two years the fondness of mortgage lenders for SA302s has grown and grown. In fact they are now so keen, that most are asking for the Tax Year Overview, the ‘little brother’ of the SA302, to be included in a mortgage application pack. This is […]

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Buy to Let | Borrow 25% more | Exclusive re-mortgage product

Buy to Let | Borrow 25% more | Exclusive re-mortgage product

Buy to let re-mortgage high affordability calculation One of our Lenders has just issued a 5 year fixed buy to let re-mortgage product priced at just 3.99%. What is key about this product is that it’s unique affordability calculation means that a landlord receiving £1,000 a month rent could borrow up to £240,600 rather than […]

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Losing your Stonebridge Life Insurance?

Losing your Stonebridge Life Insurance?

Stonebridge dropping monthly renewable life protection should not mean you stop protecting your family If you are one of 4,000 customers currently enjoying the protection of the Stonebridge monthly renewable life protection product, you will have already been notified that your cover will end in January 2016 as Stonebridge abandon the monthly renewable product. Don’t […]

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Locum Doctors mortgages – just started trading

Locum Doctors mortgages – just started trading

We specialise in mortgages for Locum Doctors with limited trading history Locum Doctors are on a self employed contract and are therefore treated as such by mortgage lenders. This means that lenders will ask for two or three years trading as a Locum in most cases. This is a problem if you, as a Locum, […]

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Mortgages for newly appointed GP Partners

Mortgages for newly appointed GP Partners

We specialise in mortgages for new GP Partners Have you recently joined an existing GP Practice as a General Practioner Partner? Do you now need to move home? Struggling to obtain mortgage lending? – We can help. Mortgage lenders consider GP Practice Partners under their self employed criteria and therefore expect a two or three […]

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Full Articles List

Full Articles List

Full postings list – read more about A Mortgage Now Bad Credit Mortgages Buy to Let Mortgages Credit Reports and Mortgages First Time Home Buyers Help to Buy Scheme Interest Only Mortgages Mortgage Advice Mortgage application Mortgage Gifted Deposits Mortgage Infographics Mortgage Insurance Mortgage News Mortgages for Professionals New Build Homes Self Employed Mortgages Specialist […]

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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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