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What are ‘Green Mortgages’?

In an age where everything is slowly but surely going green, the existence of the ‘green’ mortgage comes as no real surprise. However, comparatively few current and prospective homeowners are familiar with what the term refers to. Below, you’ll five helpful answers to some of the most important questions on […]

Interest Only Mortgage: What Are My Options?

Interest-only mortgages were once popular among home buyers across the UK.  Today, a growing number of major banks and lenders are rapidly phasing interest-only mortgages out of the picture. Primarily due to a growing lack of interest among borrowers. With an interest-only mortgage, the subsequent monthly repayments cover only the […]

Mortgage Arrears to Rise In 2019?

According to the latest estimates, approximately 76,500 domestic mortgages were in arrears of at least 2.5% of their respective outstanding balance during the first quarter of 2019. Within this, around 23,500 of these domestic mortgages had fallen into major arrears of 10% or more of the outstanding balance. In the […]

Should Tenants Who Pay Their Rent on Time Be Eligible for A Mortgage?

For millions of members of ‘generation rent’, getting on the property ladder is simply a pipedream. By the time they’ve paid their rent, organised their outgoings and put food on the table, there’s little left to play with. Even for those who manage to scrape together the bare-bones of a […]

Deposit and purchase capital raised for a renovation project at standard bridging rates

Buy to Let mortgage arranged within 6 months of property ownership Our client, a relatively inexperienced property investor was looking to quickly purchase what she deemed to be a new bargain investment property. To do this our client wanted to raise the maximum possible deposit using a recently purchased investment […]

Couple purchase their first home against the odds.

Last year the number of first-time buyers reached a 12-year high. Undeterred by Brexit, a mass movement of hopeful first-time buyers looked to take advantage of the stamp duty relief introduced in the winter budget 2017. The Bank of England under growing pressure to increase interest rates helped circumstances by […]

The Return of the Subprime Mortgage

In the wake of the 2007/2008 financial crisis, the market for subprime mortgages ceased to exist. Demand from consumers may have been relentless, but brokers and lenders alike wouldn’t go near those with imperfect credit. Today, the whole thing has done a complete 180. To such an extent that even […]

Mortgage Brokers Turn to Bridging Loans As A Quicker Route To Get Clients The Finance They Need

Business and domestic borrowers alike are increasingly turning to independent brokers to access the finances they need with speed and simplicity. In order to cater to this growing demand for dynamic financial products, brokers and financial advisers alike are showing growing preference to bridging lenders and comparable independent service providers. […]

First-Time Buyers Are Flocking to Specialist Lenders

If there’s one thing to be said for major lenders right now, it’s that they aren’t making things easy for first-time buyers. Saving huge deposits and qualifying for a mortgage in the first place is becoming increasingly difficult, as banks and lenders continue to put the squeeze on first-time applicants. […]

Is the Buy-to-Let Bubble Finally Bursting?

Over the past year or so, the rate at which lenders are offering financial support to buy-to-let landlords has been slowing significantly. Which for the most part comes down to the fact that official UK legislation governing the buy-to-let mortgage sector has seen a near-endless array of reforms and adjustments. […]

NACFB

UK Property Finance is Authorised by The Financial Conduct Authority (FCA)

Association of Bridging Professionals
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