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Mortgages for Entrepreneurs: Overcoming Complex Obstacles

As an entrepreneur, your expertise in the day-to-day operations of your business is unparalleled. However, conveying the intricacies of your business to lenders and underwriters can be a daunting task. In this article, we will delve into the complexities entrepreneurs face when seeking mortgages and...

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Upholding Consumer Duty: How Henry Dannell Supports and Safeguards Clients

Empowering clients through responsible mortgage and protection advice As of 31st July 2023, the new FCA (Financial Conduct Authority) regulations took effect. These new regulations revolve around promoting fair and responsible lending practices while ensuring the wellbeing and...

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An Ever-Changing Market: The Journey of UK Interest Rates

In the UK interest rate market, we have been fortunate over the past three years. However, we have now entered a phase of high inflation, which has consequently led to higher interest rates. What have we witnessed? If we take...

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Generating Notional Income from Your Investment Portfolio to Secure a Mortgage

Are you seeking a mortgage without verifiable income, but have significant assets that can justify a mortgage loan? Although self-certification mortgages are a thing of the past, we have entered a realm where clients without provable tax return income can explore mortgage options. Who...

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Why Should Portfolio Landlords on Tracker Rates Consider Restructuring?

If you’re a portfolio landlord on a tracker rate, it’s time to pay attention as the lending landscape has changed dramatically – what was once a favourable arrangement may now be costing you. It is crucial to consider restructuring your property portfolio, especially...

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100% mortgages: A path to home ownership for renters

100% mortgages make a comeback, giving hope to renters seeking to get on the property ladder. In today’s challenging market, where rents are increasing and the cost of living is rising, it is getting progressively harder for aspiring homeowners to save enough for...

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Everything you need to know about securing a Buy-to-Let mortgage

What is a Buy-to-Let mortgage? A Buy-to-Let (BTL) mortgage is specifically designed for landlords who rent out a property. BTL mortgage conditions specifically prohibit the owner from occupying the property. You will need a BTL mortgage if you intend to...

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The Complete A-Z Mortgage Glossary

Your complete A-Z Mortgage Glossary: Demystifying the Mortgage Jargon...

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Why your credit score is critical for securing a mortgage

Why is it important to keep a high credit score for a mortgage? A high credit score is crucial when applying for a mortgage as it reflects an individual’s creditworthiness and ability to repay a loan. Lenders use credit scores to determine the risk of...

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