The rising trend in borrower preferences seeking greater flexibility In recent years, tracker mortgages have been prevalent among borrowers seeking greater flexibility during uncertain economic times. A recent analysis by Quilter reveals a 67% increase in the uptake of these mortgage deals since...
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Mortgages tailored for newcomers to the property market For many, stepping onto the property ladder is a thrilling venture filled with excitement and apprehension. Navigating this milestone can be daunting, but first-time buyers can proceed confidently with careful financial preparation. First-time...
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Each lender has its own criteria and methods for evaluating your application The mortgage landscape can seem daunting, particularly when understanding the role of credit scores. Unlike what some may assume, there isn’t a singular credit score required for securing a mortgage. Instead,...
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CASE STUDY Finding a flexible equity release solution that meets today’s needs without compromising tomorrow’s plans. We’re delighted to share a recent case completion for a retired couple who were referred to us by a professional contact at a renowned asset management firm. This...
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Q1: Can I use my accounts before my tax returns are finalised? Yes. Some lenders rely on finalised tax calculations (SA302s), but others will accept finalised sole trader accounts from your accountant. This flexibility allows barristers to present a more accurate income picture...
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For first-time buyers (FTBs), staying informed about upcoming changes in the property market is essential to avoid unexpected costs. With the March 31st stamp duty deadline fast approaching, now is the time to understand what’s changing and how it may impact your home purchase. What’s...
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What to consider when leaving the property vacant for an extended period Void periods are an inevitable part of being a landlord, with most encountering a vacant rental property at some point. A property without tenants poses significant risks, as no one can promptly handle daily...
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Protection from unforeseen events and potential disasters Home insurance is essential when you move into a new property. It provides a crucial safety net that protects your most significant investment from unforeseen events and potential disasters. The importance of home insurance cannot be overstated, as it...
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A new source of income and providing travellers with an affordable and comfortable alternative As a landlord, you may contemplate short-letting your property for various reasons. You may want to generate additional income, or you may need to move temporarily due to work or personal matters.
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Several key factors consistently appeal to tenants when searching for rental properties As the rental market expands, landlords increasingly encounter heightened competition as they seek to rent out their properties. With more landlords entering the market to capitalise on the financial benefits that renting can offer,...
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