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Mortgages


How Does Right to Buy Affect Mortgage Eligibility?

The government’s Right to Buy scheme provides qualified council property tenants the opportunity to purchase their homes at a discounted price. Depending on the property type, location and period of residency, discounts as high as £82,800 (increasing to £110,500) are available. In order to qualify under the Right to Buy scheme […]

Right to Buy: Four Misconceptions Clarified

Buying a home in the United Kingdom has never been more expensive.  Affordable finance options are readily available but the average UK property price has skyrocketed over the past 20 years. Thousands of council tenants across England however are finding themselves able to potentially capitalize on a highly profitable opportunity. […]

Help To Buy vs Right To Buy

Through experience, we’ve found that a lot of would-be homeowners in the UK confuse the government’s Right to Buy scheme with severable separate affordable home ownership programs. ‘Help to Buy’ in particular is often mistaken as the same basic scheme as ‘Right to Buy’, though there are significant differences between […]

Remortgaging Simplified

UK property finance have built a reputation as a specialist broker, providing finance options for the more niche and complicated cases. Over the years UKPF has helped a park home site next to a nuclear power station, sourced funding to an old BT exchange station and even helped and on […]

Buy to Let Investing: Is It Still Lucrative?

There are some who would have you believe that the buy-to-let died a premature death a couple of years ago. Indeed, 2016 brought about a significant slowdown of the buy-to-let market in the UK, following approximately two decades of growth. Nevertheless, this doesn’t necessarily mean that the market as a […]

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 […]

Development Finance vs Self-Build Mortgage

Major construction projects often call for equally major financial support.  Unless you’re already sitting on a stockpile of cash, you’ll need to enlist the help of a specialist lender. In which case, you’ll be looking at a choice between two viable yet very different funding solutions: Development finance or a […]

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 […]

NACFB

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

Association of Bridging Professionals
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